Perfios launches CAM AI to speed up credit underwriting

By Vriti Gothi

Perfios.ai, has launched CAM AI, an advanced AI-powered credit underwriting platform designed to redefine lending operations for banks and non-banking financial companies (NBFCs) worldwide.

Engineered for complex credit assessments, CAM AI is enabling financial institutions to reduce underwriting turnaround time by up to 85%, compressing processes that traditionally took several days into just a few hours. This leap in efficiency allows lenders to process as much as twice the volume of loan applications using existing resources.

Built upon Perfios’ trusted AI and machine learning models, and enhanced with proprietary generative AI (GenAI) and agentic tooling, CAM AI delivers specialised credit intelligence at scale. By integrating domain-specific large language models (LLMs), retrieval-augmented generation (RAG) pipelines, and agentic algorithms, the platform autonomously extracts, interprets, and reconciles data from a wide range of financial documents in real time.

Credit underwriting for high-value loans such as business loans, home loans, and loans against property has traditionally required teams of skilled analysts to manually triangulate across bank statements, GST filings, financial ratios, and other complex datasets. This manual process often creates bottlenecks that delay funding, particularly for small and medium enterprises (SMEs) where timely capital access is critical. CAM AI transforms the generation of Credit Assessment Memos into a real-time, audit-ready process, replacing weeks of manual effort with intelligent automation.

Sumit Nigam, Chief Technology Officer at Perfios, said, “We’ve architected CAM AI specifically for the demands of regulated financial environments. While we leverage large language models for advanced reasoning, we layer them with specialised engines for financial calculations, document verification, and compliance. Every insight is backed by source traceability, enabling analysts to 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.”

This launch follows the introduction of Perfios’ GenAI-powered intelligence stack, comprising four transformative solutions designed to increase operational productivity in the BFSI sector by up to three times, underscoring the company’s commitment to digital transformation and customer-centric innovation.