For NBFCs, Small Finance Banks & bank lending teams

Fewer NPAs. Faster TAT. Lower cost to run the book.

Across every stage of the loan lifecycle

Your lending team loses days to manual CAMs, PD gaps found after sanction, and audit trails rebuilt from scratch. Synthia AI runs those same SOPs as governed AI workflows on your existing LOS, so files close in minutes, and every decision is RBI-audit-ready.

RBI-audit-readyHuman-approvedNo core replacementOutcome-pricedVendor-agnostic

Start a 2 week pilot Request a demoOne SOP. Your files. Success criteria agreed on day one.

~~Weeks~~→Minutes

CAM assembly

Shows up in: credit cost

~~45–60 min~~→8 min

PD review, per file

Shows up in: cost-to-income

>97%

Document extraction accuracy

Shows up in: file quality → credit cost

4× faster

Turnaround time, at 100% SOP coverage

Shows up in: AUM growth

Trusted by

The problem, in your words

You don't have an AI problem. You have a files, PDs, CAMs and collections problem.

Six places where the book quietly leaks time, margin and audit confidence, and what Synthia does about each one.

Cost of credit

Credit teams spend 30–40% of their time writing memos, and a manual CAM takes 1–2 hours even for a simple file.

→

CAM Assist

The CAM writes itself in minutes: every deviation flagged by clause, every figure traced to source, signed by your credit manager.

File quality

PD gaps surface after sanction, not before, and PD quality decides file quality, which decides book quality.

→

PD Assist

Every PD checked against your SOP, in any language: mandatory points verified, misses timestamped, summary auto-filed to the CAM.

DPD · recovery

Collections start after the EMI has already bounced, and field visits get routed alphabetically instead of by what's recoverable.

→

Collections Assist

Collections that start before the EMI bounces: early warning before DPD 30, every promise-to-pay tracked to closure.

Opex · productivity

Officers read pages instead of working exceptions, and every new hire restarts the learning curve from the beginning.

→

Document QC

100% of files checked against your SOP before any person opens them: exceptions pre-flagged by clause, clean items pre-approved per policy.

RBI · audit

Audit prep is a reconstruction project: pulling together who decided what, on which file, against which policy.

→

Mission Control

RBI-audit-ready, at all times. Every AI decision reconstructable: which file, which clause, which model, who signed.

Returns · IRACP

The quarter's returns get assembled from spreadsheets at 2 a.m., and no one can trace a number back to the loan it came from.

→

Synthia Analytics

Ask your book a question, get the working shown, and every number in the quarter's RBI return traceable to the loan it came from.

The cost of leaving it alone

None of these six leaks announce themselves. They surface later, somewhere more expensive: as an NPA that was visible in the file long before it was visible in the book. As an audit cycle that eats a fortnight of your senior team. As a TAT that loses a good borrower to a faster lender. As margin that quietly disappears into rework nobody logged.

Every quarter this stays open, it gets paid for out of the same P&L you're being measured on.

Insight to action

Insight → action → impact. At every stage.

Origination to collections on one governed layer. Analytics spots the drift, an app acts on it, the outcome returns as evidence, and the next pattern is caught earlier.

The lending lifecycle, covered end to end

Every stage governed by the same SOP, audit and sign-off layer

STAGE 01

Origination

PD AssistTAT · file qualityDocument QC100% SOP coverage

STAGE 02

Underwriting

CAM AssistNPA · book qualityDeviation routingright sign-off level

STAGE 03

Disbursal

Guided workflowsopex · productivityMaker-checkerby construction

STAGE 04

Collections

Early warningbefore DPD 30Voice & PTP trackingearly access

STAGE 05

Analytics

Portfolio & ALMreturns · IRACPScorecards & what-ifsix lenses

Mission ControlSOP-driven, auditable, RBI-aligned, spanning every stage above. Every output a draft until a named officer signs it.

Analytics spots the drift→an app acts on it→the outcome returns as evidence→the next pattern is caught earlier

What you can put live

Six lending use cases. Start with the one you're feeling this quarter.

Each one is a standalone pilot with its own number to hit. Your next SOP rides the same governed layer, which is why it lands in half the time and at a fraction of the cost.

NPA · Book quality

Underwriting & cost of credit

Better underwriting, file by file. CAM in minutes: every deviation flagged by clause, before it becomes an NPA.

AI assembles the Credit Appraisal Memo from QC, PD, legal, bureau, banking & other sources. FOIR / LTV / bureau pre-computed; deviations routed to the right sign-off level. The credit manager edits, owns and signs.

CAM assembly: weeks → minutes. Draft CAM from 14 source artifacts in ~6 minutes.

TAT · File quality

Lead qualification & PD detailing

Every PD checked against your SOP: mandatory points covered, misses timestamped, summary auto-filed to the CAM.

PD Assist transcribes and translates the recording in any language, verifies every mandatory SOP checklist point, flags gaps for a follow-up call, and retains every interview for future credit models. Qualify harder at the top of the funnel.

45–60 min per file → 8 min of review.4–5× faster, same-day processing.

DPD · Recovery

Collections: the closed loop

Collections that start before the EMI bounces: early warning before DPD 30, every promise-to-pay tracked to closure, field visits routed by expected recovery.

Early-warning signals, PTP tracking and field routing, with voice agents that follow your SOP in the borrower's language: every word logged as evidence, every escalation to a person. Voice is in early access; we're taking on design partners.

Field visits routed by expected recovery, not alphabetically.

Opex · Productivity

Field productivity, churn & ops cost

Every branch performs like your best branch: officers work exceptions, not pages, and new hires are productive in days.

Document QC at 100% coverage, guided role-based workflows and maker-checker by construction. The platform is the training surface, so churn hurts less, and cost per file comes down without adding headcount.

75% less QC effort · 3× capacity freed · 83% less analyst time.

RBI · Audit

Compliance, sold as a feature

RBI has already written your board's questions: FREE-AI. We're the platform built the way the framework is written.

A row-by-row mapping against the FREE-AI framework's 7 Sutras and RE recommendations: native on human-in-the-loop, accountability, explainability and audit.

Every AI decision reconstructable: which file, which clause, which model, who signed.

Returns · IRACP

RBI reporting without the 2 a.m.

Returns assembled from source, not from spreadsheets: every figure traceable to the loan it came from, in one click.

Six lenses on one data layer: operations, portfolio, regulatory, liquidity / ALM, scorecards and what-if. Disbursements, PAR, Static Pool Analysis and more. "Which stage added the most days to TAT this month?" Answered before the meeting, not after it.

Reporting: weeks → near-real-time. Audit prep becomes retrieval, not reconstruction.

Why the apps actually work

AI does the heavy lifting.
Your officer signs
in minutes, not folders.

If the review is as hard as reading all 50 documents yourself, the AI saved nothing. This is the part most AI vendors skip, and the part your regulator cares about most.

RBI's FREE-AI framework makes human accountability non-negotiable. So the question isn't whether a person reviews the AI's work: it's how long that review takes.

Most AI products hand the reviewer a chat log or an engineer's trace viewer. That doesn't shrink review time. And when review is slow, reviewers start rubber-stamping: approve-by-default is exactly the failure mode a regulator fears.

Synthia gives your officer a review surface, not a transcript, purpose-built per SOP, for the person who has to sign it. Review time is the thing being optimised.

Explainability at the point of decision

Every value linked to its source: hover any figure and jump to the exact line of the exact document it came from. Section-level, not page-level.

Exceptions pre-flagged, with next actions

Deviations cited by SOP clause and routed to the right sign-off level; clean items pre-approved per policy, so officers work exceptions, not pages.

Every edit marked AI-or-person

Audit trail and model-teaching in one action; the override itself is logged. The trail writes itself, so it's faster and more audit-ready.

Reviewer surface: CAM / LN-2291184

FOIR42.8% Bank stmt, p.4 §2

LTV68.0% Valuation §3.1

Income proof: staleSOP 4.2(b)

PD checklist: 2 points missedSOP 7.1

Bureau: CIBIL 741Pass Bureau pull §1

11 of 13 checks clean · 2 exceptions to reviewApprove

Illustrative reviewer surface. Clean items pre-approved per policy; exceptions cited by clause and routed to the right sign-off level.

The proof

PD review: ~~45–60 min~~→ 8 min

Per file, in our PD Assist walkthrough², faster and more audit-ready, because the trail writes itself.

Built-in governance

Four rules the platform enforces, not four policies you have to remember.

Governance isn't a module you buy on top. It's how every workflow in Synthia is constructed, which is why the audit trail is a by-product of doing the work rather than a project after it.

Every AI output is a draft until a named officer signs it.

Every AI check cites the SOP clause it ran against.

Every action logged (AI & Human) is fully auditable.

Low-confidence or fraud signal → human escalation, always.

And underneath it: the platform that makes your next SOP cheap

Synthia AI · Analytics

AI Analytics

Complete clarity across your portfolio. Gain 360° visibility into operations, compliance, liquidity, scorecards, and scenario modeling—all in one place.

Synthia AI · Mission Control

AI Command Center

Centralized governance and oversight. Manage, monitor, and audit every AI workflow in real time with full regulatory alignment (RBI) and enterprise-grade security.

Synthia AI · Apps

Apps & Workflows

Automate complex SOPs at scale. Turn standard operating procedures into smart, automated workflows that plug directly into your system—scaling effortlessly without added overhead.

How we deploy

Live on your LOS in weeks, without changing your core systems.

Forward-deployed engineers, on your infrastructure, working alongside your credit and ops teams. You never have to say yes to a platform transformation, only to one SOP.

Step 01 · 2 weeks

Pilot

One lending SOP you've already named, on your files, on your infra. Success criteria agreed on day one, and the minimal discovery happens inside the pilot, not before it.

Step 02

Embed

Forward-deployed engineers sit with your team to fit the workflow to your SOPs, your systems and your sign-off levels. 60–80% of what you need is pre-built on day one.

Step 03

Scale

Your next SOP rides the same governed layer, so it lands in half the time. What used to take two months takes two weeks.

2 weeks

To a live pilot on one SOP

60–80%

Pre-built on day one

3–4×

Faster delivery

What changes

What the lending floor looks like once Synthia AI is running.

Not a different team. The same people, no longer spending their day on work the system should have already done.

Credit

Your credit manager opens a file that has already been checked, reads two flagged exceptions instead of forty pages, and signs it in the time it used to take to open the folder.

Origination

PD gaps get caught the same day the call happened, not after sanction, when they've quietly become someone else's problem.

Collections

You reach the borrower before the EMI bounces, in their own language, and the field team drives to the visits most likely to recover, not the ones highest in the alphabet.

Operations

Your best branch stops being an outlier. New hires are productive in days, because the workflow carries the SOP instead of the person carrying it.

Finance & audit

Month-end stops being a fortnight. Nobody assembles a return from spreadsheets at 2 a.m., because every figure already points back to the loan it came from.

The board meeting

When someone asks what your AI is doing and who signed off on it, you answer in minutes, not in a remediation project. And when the question turns to what it did for the P&L, the answer traces the same way: cost per file, roll-rate, credit cost.

Proof

And here are the supply capability claims underneath it.

Every scene above has a measurement behind it, taken on real files in live engagements. Ask us for the artifacts: we'd rather show you a sample than make a claim.

CAM assembly

~~Weeks~~→Minutes

Assembled from QC, PD, legal, bureau & banking sources

PD review, per file

~~45–60 min~~→8 min

PD Assist walkthrough²

Document extraction accuracy

>97%

Across live document QC engagements

QC effort

−75%

At 100% SOP coverage: every file, before any person opens it

Analyst time

−83%

Live engagements³

Turnaround & capacity

4× TAT ·3× capacity

Faster TAT with capacity freed, no added headcount

Designed for your stack

Your lending stack,
finally working as one.

Synthia is designed to connect your LOS, LMS, KYC, collections, and CRM: no rip-and-replace, no migration, no starting over.

and more

Start with one use case.
One SOP, 2 weeks, your files.

Success criteria agreed on day one. No core replacement, no platform transformation to approve, and the minimal discovery happens inside the pilot, not before it. Tell us which number you're trying to move this quarter, and we'll scope the pilot around it.

Start a 2 week pilot Request a demo

Fewer NPAs. Faster TAT. Lower cost to run the book.

You don't have an AI problem. You have a files, PDs, CAMs and collections problem.

Insight → action → impact. At every stage.