About Intelli·Credit
Built for Indian credit officers
Intelli·Credit is an end-to-end AI-powered credit appraisal engine designed for Indian corporate lending workflows. It processes financial documents, conducts autonomous web research, and generates explainable credit decisions.
Document Intelligence. Upload annual reports, bank statements, GST returns, ITR filings, and scanned pages. The system uses a multi-model OCR pipeline — fitz, pdfplumber, and Qwen2.5-VL — to extract structured data from any format, in 22 Indian languages. Cross-validation catches inconsistencies between GST, bank, and tax return data automatically.
Autonomous Research Agent. A Firecrawl-powered agent searches MCA21 filings, eCourts litigation records, news articles, and promoter intelligence — producing a structured research dossier without any manual lookup. Findings are classified by severity and integrated into the risk assessment.
Scoring & CAM Generation. An XGBoost ML model combined with configurable policy rules produces a credit score, risk grade, recommended loan amount, and interest premium. Every decision is SHAP-explainable. The system then generates a complete 9-section Credit Appraisal Memorandum in Word and PDF.
Architecture Pipeline
Multi-Source Data Input
PDFs, bank statements, GST XML, ITR JSON, scanned images
Document Processing
fitz + pdfplumber + Qwen2.5-VL OCR for 22 Indian languages
Structured Knowledge Store
PostgreSQL for structured data, Qdrant for semantic vectors
Web Research Agent
Firecrawl-powered autonomous MCA, eCourts, news, promoter checks
Risk Scoring Engine
XGBoost model + hard rejection rules + SHAP explainability
CAM Generator
9-section Credit Appraisal Memo in Word/PDF with banking layout
Credit Officer Portal
Interactive dashboard with Five Cs radar, stress test, RAG chat
Tech Stack
Next.js 14
Frontend framework (App Router)
FastAPI
Backend API with async endpoints
PostgreSQL
Structured data and company records
Qdrant
Vector store for RAG retrieval
XGBoost
ML risk scoring model
Firecrawl
Web research and scraping
Celery
Async task queue for pipeline
Delta Lake
Data versioning via Databricks
Qwen2.5-VL
OCR for scanned documents
Prefect
Workflow orchestration
Built for Indian workflows
Your documents are processed locally and never stored on external servers. All analysis runs within your own deployment.