Perfios Lending Solutions

Perfios is a leading global fintech and B2B SaaS company that provides digital lending, credit decisioning, financial data aggregation, underwriting automation, fraud detection, and analytics solutions to banks, NBFCs, fintech lenders, insurers, and financial institutions. Founded in 2008 and headquartered in Bengaluru, Perfios is widely recognized for helping lenders automate borrower assessment and accelerate loan processing through advanced data analytics and artificial intelligence.

Perfios Lending Solutions enables financial institutions to digitize and automate the entire lending lifecycle, from customer onboarding and income verification to credit underwriting, decisioning, loan origination, and risk management. The platform processes financial data from multiple sources to help lenders make faster and more accurate credit decisions.

SERVICES

• Loan Origination System (LOS): Enables lenders to automate customer onboarding, loan applications, document collection, underwriting workflows, approvals, and disbursement processes.
• Credit Decisioning: Provides automated credit assessment using AI, business rules, risk models, and alternative data sources to improve lending decisions.
• Financial Data Aggregation: Collects and analyzes financial data from bank accounts, tax records, payroll systems, accounting software, and other sources to create borrower profiles.
• Bank Statement Analysis: Automates extraction and analysis of bank statements to evaluate income, spending patterns, liabilities, cash flow, and repayment capacity.
• Income Verification: Verifies borrower income using financial records, salary data, tax information, and other data sources to support underwriting decisions.
• Credit Underwriting Automation: Reduces manual underwriting effort by automating borrower assessment, risk analysis, and eligibility evaluation.

Countries