Perfios.ai Unveils CAM AI to Transform Credit Underwriting Efficiency

CAM AI Brings Speed and Scale to Credit Underwriting

Perfios.ai, a leading TechFin innovator from India, has launched CAM AI, an advanced underwriting platform designed to transform lending efficiency. The solution reduces credit assessments that traditionally took several days into hours, thereby cutting timelines by almost 85% without compromising compliance or accuracy.

The platform enables banks and NBFCs to process nearly double the loan applications using their existing teams. This capability addresses a significant industry challenge, where operational bottlenecks in underwriting have long restricted scalability and slowed disbursements. With CAM AI, Perfios.ai is positioning itself as a critical partner for financial institutions navigating rapid lending growth.

Technology That Powers CAM AI

The strength of CAM AI lies in its foundation. Built on Perfios’ proven AI and ML models, the platform integrates proprietary generative AI and agentic tooling to automate complex underwriting tasks. It can autonomously extract, interpret, and reconcile data across financial statements, GST filings, and banking records.

By embedding credit policies within the system, CAM AI delivers explainable and traceable risk assessments. Every decision links back to its source document, ensuring analysts and auditors maintain full visibility into credit conclusions. This transparency distinguishes CAM AI from generic automation platforms that often lack audit-ready traceability.

Transforming Credit Analysis at Scale

Traditionally, only a handful of senior analysts possessed the expertise to perform intricate reconciliations, such as matching GST sales against bank deposits to identify collection risks. With CAM AI, this previously time-consuming manual scrutiny can now be performed autonomously across thousands of applications, delivering expert-level accuracy at unprecedented scale.

Perfios.ai’s Chief Product Officer, B Krishna Chaitanya, emphasized the platform’s role in democratizing expert-level credit analysis. According to him, junior analysts can now operate at the same proficiency as seasoned professionals, ensuring lending institutions achieve consistency, speed, and scalability simultaneously.

Reliability for Regulated Environments

Unlike generic AI tools, CAM AI is engineered specifically for highly regulated financial settings. Perfios.ai’s Chief Technology Officer, Sumit Nigam, explained how the system layers large language models with specialized financial engines designed for calculations, document verification, and compliance monitoring.

Every insight delivered by CAM AI includes source traceability, so analysts can identify exactly which document informed which conclusion. This hybrid model creates an audit-ready environment that delivers both analytical rigor and safeguards against unpredictable AI behavior.

Global Reach and Growing Adoption

CAM AI has already achieved significant traction, being deployed across more than 50 institutions in India, Southeast Asia, and MENA. The system currently processes more than 5 million transactions monthly, demonstrating both scalability and market readiness.

Its adoption is reshaping how institutions think about underwriting efficiency. By cutting timelines and reducing dependency on limited expert manpower, the platform ensures faster credit decisions and smoother customer experiences. This combination is increasingly critical as competition in the digital lending market intensifies.

Part of a Broader Intelligence Stack

Perfios.ai has not limited its ambitions to one product. CAM AI is part of its broader GenAI intelligence stack, which includes four complementary solutions designed to triple operational productivity for financial institutions. Together, these tools strengthen Perfios’ vision of transforming financial decision-making with intelligent automation.

With CAM AI at the center, the company is helping institutions unlock new levels of speed, compliance, and analytical precision in credit underwriting. The goal is not only faster decisions but also better, more reliable ones that withstand regulatory scrutiny.

A Redefinition of Credit Underwriting

The launch of CAM AI marks a decisive shift in how credit underwriting will evolve in the age of AI. By enabling lenders to process more applications, ensure accuracy, and maintain compliance—all while reducing timelines dramatically—Perfios.ai has created a technology that can redefine lending operations.

As the lending ecosystem becomes more competitive, solutions like CAM AI will determine which institutions adapt and thrive. With financial markets demanding both speed and trust, Perfios.ai’s innovation arrives at the right time to help shape the future of credit.

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