450 million people are creditworthy. The system just can't see them yet.
OpenCredit uses alternative data and harmonious AI to score the credit-invisible — profitably, fairly, and in compliance with RBI guidelines.
India's 190 million credit-invisible adults have UPI transaction histories, seasonal income patterns, and consistent financial behaviour. They simply lack a CIBIL score. OpenCredit reads what the bureau cannot — and does it in the borrower's own language.
Credit Scoring That's Fair and Transparent
Built on principles of financial inclusion and algorithmic fairness, with full RBI compliance documentation.
Alternative Credit Scoring
UPI transaction history, behavioural patterns, and seasonal income cycles used as credit signals. 95%+ accuracy on creditworthy vs. at-risk classification in internal validation testing. Methodology and dataset documentation available on request.
22 Indian Languages
Full scoring and explanation delivery in the borrower's native language, including voice interfaces for low-literacy users.
RBI Compliant by Design
Full explainability, audit trail, and documentation for RBI Digital Lending Guidelines compliance from day one.
How We Deploy OpenCredit
From data readiness assessment to full managed scoring operations.
We assess your transaction data quality, coverage, and readiness for alternative credit scoring — and model the addressable credit-invisible population in your market.
- AI usage audit across your organisation
- Data flow mapping and PII exposure report
- Regulatory gap analysis (UK GDPR / DPDP Act / sector-specific)
- Remediation roadmap with prioritised recommendations
- Executive briefing and board-ready summary
We deploy the OpenCredit scoring pipeline and integrate it with your loan origination system, with full RBI compliance documentation.
- Full product deployment to your infrastructure
- Privacy boundary configuration and policy setup
- Integration with existing cloud AI providers (OpenAI, Claude, Gemini)
- Staff training and internal documentation
- Handover and go-live sign-off
Monthly model retraining as transaction patterns evolve, score drift monitoring, and automated regulatory reporting.
- 24/7 routing and privacy boundary monitoring
- Monthly edge model updates and drift detection
- Quarterly compliance reporting (audit-ready)
- SLA: 99.5% uptime guarantee
- Dedicated account engineer
All engagements begin with a no-obligation 30-minute discovery call.
Ready to lend to borrowers your competitors can't see?
Book a technical walkthrough and see how OpenCredit integrates with your loan origination system.