Notes from the people who build AICA.

Long-form pieces on due diligence, Indian credit and RBI compliance, written for credit and risk teams.

Underwriting14 Apr 20266 min read

Six dimensions of risk every Indian credit officer should check.

Bureau alone is a snapshot, not a portrait. The case for evaluating every third party across six independent dimensions (regulatory, compliance, financial, media, litigation and bureau) every time.

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More field notes

Monitoring02 Apr 20265 min read

GST and banking should reconcile continuously, not quarterly.

By the time a variance shows up in the audit pack, the borrower may have taken three more loans. The case for three-way reconciliation running every twenty-four hours.

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Compliance21 Mar 20267 min read

What RBI Digital Lending Guidelines mean for AI underwriting.

Data residency, lender accountability, FLDG, customer consent, audit trail, escalation matrix. The bar any AI tool on your lending stack has to clear.

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Operations08 Mar 20265 min read

Third-party due diligence is the real bottleneck in Indian credit ops.

A credit officer spends most of the day reconstructing a third party from scattered sources. The case for treating due diligence as infrastructure, not a workflow.

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See the ideas running on a real file.

Book a demo and the AICA team will walk you through due diligence on a third party of your choice.

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