Detect borrowers active on 5+ apps before you sanction the 6th. Bureau + non-bureau signals combined into one risk decision.
Stack-lending is the #1 source of NBFC delinquency. Bureau data is delayed by 30-45 days, and synthetic IDs slip through. Our model fuses bureau pulls, behavioural signals and consortium data to give you a real-time exposure picture that no single bureau can produce.
A typical exposure check flow, end-to-end.
Send a hashed PAN + phone. We never store raw identifiers.
CIBIL, Equifax, Experian, CRIF — all four queried in parallel.
Optional: anonymized active-loan data shared by participating lenders.
Active-loan count + DPD + utilization + behavioural model = one numeric exposure score.
Bureau orchestration, behavioural signals, consortium aggregation, ML scoring.
Add one API call. Cut stack-lending exposure in half.