FIELD NOTES · FROM THE AICA TEAM
Notes on AI-native due diligence, Indian credit, and the work behind the engine.
Long-form pieces from the people who build and run AICA, RBI compliance, the six dimensions of credit risk, and what we're learning from 120+ enterprises in production.
GST and banking should reconcile continuously, not quarterly.
Quarterly reconciliation is a fiction. By the time a variance shows up in the audit pack, the borrower has already taken three more loans. Three-way reconciliation belongs in your EWS layer, running every twenty-four hours.
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What RBI Digital Lending Guidelines mean for AI underwriting.
Data residency, lender accountability, FLDG, customer consent, audit trail, escalation matrix. The RBI DLG sets a clear bar, any AI tool that runs on top of your lending stack has to clear all of it.
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Third-party due diligence is the real bottleneck in Indian credit ops.
A credit officer in India spends most of their working day reconstructing a third party from scattered data sources. The cost compounds with every loan. The case for treating due diligence as infrastructure, not a workflow.
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Six dimensions of risk every Indian credit officer should check.
Most credit memos in India still leave half the risk surface uncovered. Bureau alone is a snapshot, not a portrait. The case for evaluating every third party across six dimensions, every time.
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