Perfios.ai, India’s leading B2B SaaS TechFin, has introduced CAM AI, an AI-driven credit underwriting platform that reduces multi-day credit assessments by up to 85% and enables banks and NBFCs to process up to twice as many loan applications with existing teams.
The system is designed to accelerate lending operations while maintaining accuracy and compliance, according to FF News.
Built on Perfios’ AI/ML models and enriched with proprietary GenAI and agentic tooling, CAM AI autonomously extracts, interprets, and reconciles data across financial documents, GST filings, and bank statements.
The platform applies embedded credit policies to deliver explainable, traceable risk assessments and is deployed by more than 50 institutions across India, SEA, and MENA, processing over 5 million transactions per month.
“Earlier, only a few hundred expert analysts had the skills to perform complex triangulation, like reconciling GST sales with bank deposits to flag collection issues, across thousands of loan applications,” Perfios.ai Chief Product Officer B Krishna Chaitanya said. “CAM AI now performs this level of expert credit scrutiny autonomously and at scale, delivering expert-level analysis without compromising accuracy.”
“We’ve architected CAM AI specifically for the demands of regulated financial environments,” Perfios.ai Chief Technology Officer Sumit Nigam said. “While we use large language models for advanced reasoning, we layer them with specialised engines for financial calculations, document verification, and regulatory compliance. Every insight is backed by source traceability, analysts can see exactly which document led to which conclusion. This hybrid approach delivers audit-ready reliability, analytical depth, and safeguards against the unpredictability of generic LLMs.”
CAM AI is part of Perfios’ broader GenAI intelligence stack, which includes four solutions designed to boost operational productivity up to threefold.
The platform also enables junior analysts to operate at the level of senior credit experts, improving consistency, speed, and scalability across lending teams.
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