If you run credit at a bank or NBFC with ₹2,000–15,000 Cr AUM, you know the squeeze: enterprise platforms quote ₹2–5 Cr implementations and quarters of lead time, while speed-first platforms leave you carrying the regulatory risk — thin audit lineage, generic decisioning, ECL in Excel.
Every cut-off change is an IT ticket. Every product tweak crosses risk, IT, and BIU. Your competitors reprice in days.
"Show me why this loan was approved" should take minutes, not a week of file reconstruction across five systems.
The Ind AS 109 transition is concluding FY 2026–27 — and origination and provisioning still don't share a data language.
FINVIJ's position in that gap: production-grade decisioning infrastructure — origination, real-time decisions, ECL, and model governance on one ontology — deployed inside your perimeter, live at South Indian Bank and Jana Small Finance Bank, at mid-tier economics. See how we differ from the alternatives →
Three fields. We reply with a view on your stack, not a sales sequence.
A structured 2–3 week engagement that maps your decisioning stack and quantifies the opportunity — before you commit to anything.
The FINVIJ Problem Diagnostic