Think360.ai

The future of credit risk isn't built on static scores. It's driven by living financial signals. As lending moves beyond static credit scores, cash flows, alternate data, AI, and continuous behavioural signals are enabling lenders to make smarter underwriting decisions, predict emerging delinquencies, and improve portfolio quality. Join Anjan Mehrotra, Chief Risk Officer, BharatPe Capital and Suryadip Ghoshal, Co-founder & Chief AI Officer, Think360.ai, and , for a fireside chat hosted by the Fintech Convergence Council (FCC). We'll discuss: • Cash flow intelligence beyond bureau scores • Alternate data for better underwriting • Continuous portfolio intelligence for early delinquency prediction • AI-driven strategies to build healthier loan books 📅 23 July 2026 | 🕒 3:00 PM – 4:00 PM IST 🔗 Register here: https://lnkd.in/dHZCpZ_g

Model validation is no longer a point-in-time exercise. The RBI's Draft Model Risk Management Framework raises the bar from validating individual models to governing model risk across the enterprise. That means: • Independent validation • Continuous lifecycle monitoring • AI & ML governance • Third-party model oversight • Board-level accountability The institutions that prepare now won't just be compliance-ready. They'll build more resilient and trustworthy AI-driven decisioning systems. Swipe through the key takeaways from the RBI's Draft Model Risk Management Framework (MRMF), 2026. CAMS Limited Amit Das, Suryadip Ghoshal, Sardul Rai, Patrick Francis PMP, PRINCE2, Pravin Mohare #ModelRiskManagement #RBI #AI #RiskManagement #ModelValidation #Banking #NBFC #ResponsibleAI

🏆 Certified: 𝐁𝐞𝐬𝐭 𝐅𝐢𝐫𝐦 𝐟𝐨𝐫 𝐀𝐈 𝐏𝐫𝐨𝐟𝐞𝐬𝐬𝐢𝐨𝐧𝐚𝐥𝐬. Recognitions like this don't get won in a boardroom; they get built, quietly, over hundreds of ordinary workdays. They're built in the code reviews that make a junior engineer sharper. In the whiteboard debates that turn a rough idea into a shipped model. In the choice to solve the hard problem properly instead of the easy one quickly. That's the culture this recognition actually points to. Because great AI isn't just about the models; it's about the people behind them. The ones curious enough to keep learning, disciplined enough to take research all the way into production, and generous enough to lift the person next to them while doing it. 💡 That's what makes Think360.ai a place where AI professionals don't just work — they grow. To every single person on this team: this one is a reflection of you. Your dedication, your craft, your refusal to settle. 👏 And to the customers, partners, and stakeholders who trust us with their hardest problems — thank you. Your belief pushes us to raise the bar, and every model we ship is sharper for the standards you hold us to. This recognition is as much yours as it is ours. Here's to building what's next. 🚀 Thank you AIM Best Firm & AIM for the recognition. #BestAIFirm #AITalent #CultureOfInnovation #Think360 #AI

Most lending institutions spend enormous effort building better credit models. Far fewer spend enough time asking a more important question: Is the model still reliable after it's goes live? A high-performing model at launch can gradually lose its predictive power as customer behaviour, economic conditions, and portfolio characteristics evolve. That's why model validation isn't just a regulatory exercise. It's a business necessity. Four metrics deserve a place on every risk leader's dashboard: PSI (Population Stability Index) - Detects whether your applicant population has shifted from the data the model was originally trained on. CSI (Characteristic Stability Index) - Identifies changes in individual variables before they begin impacting model performance. KS (Kolmogorov-Smirnov Statistic) - Measures how effectively the model separates good borrowers from bad ones. Gini Coefficient - Indicates the model's overall discriminatory power and ability to rank risk accurately. None of these metrics should be viewed in isolation. A model may continue producing scores while silently drifting away from reality. By the time delinquency rises, the warning signs have already been missed. The future of credit risk management is not about building more models. It's about continuously validating, monitoring, challenging, and improving the models already making millions of lending decisions every day. Suryadip Ghoshal our Co founder and Chief Analytics Officer put together a practical guide explaining these validation metrics, how they're interpreted, and why they matter for banks, NBFCs, and fintech lenders. Read it here: https://lnkd.in/dfhTVPJf How frequently does your organization monitor model drift monthly, quarterly, or only during validation exercises? #CreditRisk #ModelValidation #RiskManagement #ModelRisk #Banking #NBFC #Fintech #AI #MachineLearning #CreditScoring #PSI #BFSI #KS #RiskAnalytics #Lending

And that wraps Day 1 at the Namma Privacy Summit in Bengaluru. Great conversations on building privacy first org, interesting POVs, trying to close deals, ambient settings at the venue, energy everywhere, great weather, lovely food and tired feet. What a day !! And day 2 awaits.. 🤘 ____________ Mohit, Harshav, Mehar, Tanishq, Vaishnavi

As AI becomes central to credit decisioning, model governance can no longer be an afterthought. The RBI's proposed Model Risk Framework is set to reshape how banks, NBFCs, and fintechs build, validate, and govern AI-driven credit models. In this article, Suryadip Ghoshal , Co-founder & Chief AI Officer at Think360.ai, shares his perspective on what the framework means for lenders and why independent model validation is emerging as a strategic necessity not just a compliance requirement. Read the full article: https://lnkd.in/gPBJ9yzE Amit Das, Pravin Mohare, Patrick Francis PMP, PRINCE2, Sardul Rai #ModelValidation #CreditRisk #AI #Banking #NBFC #Fintech #ModelRisk #RBI #RiskManagement #Think360AI

Your Video KYC agent speaks one language. Your customer is more comfortable in another. That gap costs you the call. KwikID's Speech-to-Text converts customer speech into structured transcripts in real time so agents follow every conversation clearly, regardless of language. Customers speak in the language they trust. Central teams work in the language they operate in. No specialists. No dropped calls. No repeated questions. Built as a layer on your existing Video KYC journey. No workflow redesign. Just switch it on. Tier 2 and Tier 3 India without the operational overhead. See it in action → Give us a call on +918779798844 Think360.ai #VideoKYC #DigitalKYC #LanguageInclusion #BFSI #KYCCompliance #onboarding #KwikID