Technology is the great leveller.
It's a great tool for eliminating prejudice
and advancing meritocrac
Our tech philosophy:
Human decision making boosted
by advanced technology
We at Dhanvarsha believe that your business is much more than your credit score. We use a combination of people, data analytics, advanced technologies, machine learning (ML), and modeling to evaluate both customers and their businesses and create financial solutions for them.
The Dhanvarsha proprietary lending engine Myra captures the user at the very beginning of the loan process. This engine assesses the customer based upon key proprietary parameters and churns a bespoke solution.
Aira is our proprietary artificial intelligence based business robot. A vast number of API integrations allow the robot to pull data from third parties. For unstructured data, we leverage Natural Language Processing engine to identify the subject and assess it by the machine learning (ML) engine to check if it stands relevant to our larger risk engine.
Using behavioral science, earning patterns, financial spending etc. the engine effectively uses 1,000 plus data points to determine patterns of the customer and then adds the traditional credit rating and risk analysis together to frame a report to establish the users repayment ability. The engine then takes in KYC data, GST Data, and references to provide a final assessment on the applicant. The engine also looks to provide sentiment indicators and fraud risk assessments against each application.
The web-based LOS system allows the Dhanvarsha Team to work closely with the AI engine to ensure applications are correctly processed in the minimum amount of time. The web-based interface pulls data from Dhanvarsha’s database and services like Credit Score,OCR analysis of bank statements and much more. The system allows for the application to be approved or rejected based upon the inputs of the AI engine and the officer assessing the application.
Data Analytics is heavily relied upon to help understand the performance of various products and its customers at Dhanvarsha. With the Business Intelligence tool, we can determine key points such as:
With right insights into the data, the team is able to identify bottlenecks, loss of revenue, and critical learnings about our services/products to consumers.
We realize our customers are tediously spending days on getting loans and hours on their other financial tasks including payments, insurance, booking, etc. Therefore, we have launched a rewards-based interactive application to help consumers get instant loans while meeting all their financial needs including payments, investments, insurance, and much more so that one can spend their valuable time in building a business instead.
We use our advanced credit risk analyzing platform which blends a combination of tradition underwriting, machine learning, and predictive analytics to ask customers the relevant questions, provide adequate and timely details coupled with using various publicly available data points to evaluate their businesses. We also reward people for paying their EMIs on time through our unique rewards program. With our advanced API ready platform, we also constantly are on the lookouts to add more services so that consumers can spend their rewards in even more places.
DSAs in India process several million loans every month. But most DSA operations are manually intensive and laborious thus affecting scale and efficiency. Dhanvarsha’s white label app has been designed with inputs from DSAs to solve this problem, empowering them with advanced tools to make the whole loan application and subsequent syndication process digital. This highly customized tech-enabled engine allows DSA to map a client’s loan application to suitable financial sponsors instantly online, which enhances turn-around time and in-turn profitability for both DSA’s and sponsors.Download Now