We combine decades of hands-on credit risk experience with advanced ML/AI capabilities to build lending solutions that enable informed decisions.
FINVIJ was founded with a clear understanding: effective lending technology must be built by those who have lived the challenges of credit risk management. Our team brings direct experience from building and operating risk systems at scale within financial institutions.
We focus on the intersection of credit risk domain expertise and modern technology. Our products address real operational challenges—from application processing and credit decisioning to portfolio monitoring and regulatory compliance.
Rather than offering generic solutions, we build purpose-specific tools that reflect how credit teams actually work: configurable workflows, transparent decision logic, and actionable analytics.
Scorecards, behavioral models, ECL computation, and portfolio segmentation
Rule engines, policy automation, and real-time credit decisioning
Machine learning for credit scoring, fraud detection, and early warning
RBI guidelines, IFRS 9, and regulatory reporting frameworks
Experienced professionals driving FINVIJ's vision
Vijay brings over 25 years of experience in credit risk management across retail and commercial lending. His career spans building risk analytics teams, developing credit policy frameworks, and implementing decision systems at leading financial institutions. He has hands-on expertise in portfolio monitoring, model development lifecycle, and applying AI/ML techniques to credit risk problems. At FINVIJ, Vijay leads product strategy and ensures our solutions address practical challenges faced by credit teams.
Naga Mohan is a senior technology architect with deep experience in designing and building large-scale enterprise systems. His background includes architecting secure, high-availability platforms that handle mission-critical financial workloads. He combines strong technical foundations in system design and security with an understanding of business requirements—ensuring technology serves practical needs. At FINVIJ, Naga Mohan leads engineering and is responsible for platform architecture, security, and technical delivery.
Intelligent lending infrastructure for Banks and NBFCs
Digital workflows for application processing, document verification, and underwriting across retail and commercial lending.
Rule engines and ML models that automate credit decisions with full transparency and audit trails.
Scorecards, bureau analytics, behavioral models, and portfolio monitoring dashboards.
Property valuation platform with geo-fenced capture and compliance documentation.
Performance tracking, drift detection, and champion-challenger testing for deployed models.
ETL pipelines, data quality checks, and analytics infrastructure for credit operations.
Principles that guide how we work
Solutions shaped by credit risk expertise, not generic frameworks
Explainable decisions with clear audit trails and logic visibility
Adaptable to your processes without custom development
Enterprise-grade security and operational stability
We'd welcome the opportunity to understand your lending operations and explore how FINVIJ can help.
