In the world of lending, trouble rarely arrives without warning. The signs are often there — a cheque bounced twice in a month, a delay in financial reporting, a sudden surge in withdrawals, or an unusual RTGS transfer that doesn’t quite add up.
But the reality?
Most NBFCs and financial institutions fail to act on these signals in time.
The High Cost of Ignoring Early Warning Signals
Non-performing assets (NPAs) don’t appear overnight. They build up slowly and silently — and by the time they’re visible, it’s too late to recover.
Here’s what many lending businesses face today:
- Outdated monitoring systems that work on static thresholds and fixed rules
- Manual reviews that delay decision-making and increase human error
- Siloed data sources that prevent a full view of borrower activity
- Lack of predictive insight, making risk assessments reactive instead of proactive
This results in:
- Delayed interventions
- Increased credit risk exposure
- Regulatory pressure
- Reputational damage
In today’s fast-moving financial ecosystem, traditional approaches just don’t cut it anymore.
The Need for Real-Time, Intelligent Risk Monitoring
Imagine a system that doesn’t just report past behaviour — but one that learns from it. A system that understands patterns, adapts to borrower behavior, and alerts you the moment something seems off.
That’s what modern lenders need:
- Early detection of credit stress
- Real-time visibility into borrower activity
- Predictive analytics to assess future risk
- Automated alerts that reduce human effort but increase decision accuracy
Lenders need to act before the damage is done — and for that, they need more than a traditional dashboard. They need AI.
Meet Fignite — Intelligent Credit Risk Monitoring for NBFCs
Fignite is an AI-driven credit risk monitoring engine designed to help NBFCs identify, assess, and act on early warning signals with precision.
It’s not just another monitoring tool — it’s a smart, customizable solution that integrates with your core systems and evolves with your portfolio.
Key Capabilities of Fignite:
- Real-Time Alerts: Instant detection of critical risk behaviors like:
- Frequent cheque bounces
- Irregular RTGS or NEFT transfers
- High-value cash withdrawals
- Inventory-receivable mismatch
- Delayed document submissions
- AI-Powered Thresholds: Unlike rigid rules, Fignite uses dynamic, AI-calibrated thresholds to trigger alerts specific to borrower profiles and risk appetite.
- Unified Data Intelligence: Combines data from CBS, treasury, external feeds, and behavioural patterns to create a 360° borrower view.
- Predictive Analytics: Uses machine learning to forecast risk trends — enabling you to act before accounts go delinquent.
- User-Friendly Dashboard: Provides a clean, intuitive interface with real-time health checks, risk scores, and prioritization tools for credit teams.
- Custom Alerts & Reports: Tailored to your operational structure, risk policy, and escalation matrix.
In short: Fignite turns scattered data into actionable insight.
Powered by Paycorp – Built for India’s Lending Landscape
Paycorp Solutions is the authorized distribution and onboarding partner of Fignite in India.
With our deep understanding of the NBFC and fintech ecosystem, we don’t just provide the tool — we help you integrate it seamlessly into your risk operations.
What Paycorp Offers:
- Hands-on support for Fignite deployment and training
- Custom onboarding to match your risk framework
- Ongoing updates, product guidance, and localized optimization
- Expert integration with your core systems and data sources
Whether you manage 5,000 customers or 5 lakh, we help scale Fignite to your exact needs.
The Outcome? Lower NPAs. Smarter Decisions. Safer Lending.
With Paycorp + Fignite, you’re not just reacting to problems — you’re staying ahead of them.
You’ll know when:
- A borrower’s cash flow starts slipping
- Risky transaction behavior emerges
- Compliance timelines are missed
- A silent defaulter is about to surface
And you’ll be ready — not weeks later, but right when it matters most.
Ready to Bring Intelligence to Your Risk Monitoring?
Let’s help you build a stronger, safer, and smarter credit ecosystem.
Reach out to us at info@paycorp.io
Learn more at www.paycorp.io
Let Paycorp and Fignite work behind the scenes — so you can make sharper moves, sooner.
