We combine decades of hands-on credit risk experience with advanced ML/AI capabilities to build lending solutions that enable informed decisions.
Over 25 years of building and running credit risk systems — at HSBC, Standard Chartered, United Overseas Bank, and Scienaptic — our founder watched the same failure repeat at every institution: origination, decisioning, and provisioning each spoke a different data language, and every policy change or ECL run began with reconciliation. FINVIJ was founded to remove that translation layer — one lending ontology, one audit trail, decisions a bank can defend for a decade.
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, behavioural 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 HSBC, Standard Chartered, United Overseas Bank, and Scienaptic. 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
Loan origination hosting multi-product journeys — home loan, LAP, SME, gold, personal — with Samiksha AI drafting the credit assessment memo from six data sources.
Real-time credit decisioning — rules, scorecards, and ML orchestrated into instant go/no-go verdicts with reason codes and full audit trails.
AI model development platform — build, validate, deploy, and monitor application, behavioural, and collection scoring models with explainability built in.
Property valuation and collateral management — geo-fenced capture, valuation workflows, and compliance documentation for home loan and LAP portfolios.
Portfolio analytics on one governed fabric — pipelines, model monitoring, Ind AS 109 ECL, and the Ask Buddhi copilot for natural-language portfolio questions.
Pre-built scoring models for retail and MSME segments, and multi-bureau intelligence across CIBIL, Experian, CRIF, and Equifax.
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.
