CAM
Automated Credit Assessment Through Multi-Doc Cross Analysis & Consolidation
Make informed credit decisions and detect loan application discrepancies, saving time for credit managers and bolstering defences against financial fraud.
How Perfios CAM Works?
Document Collection
Collects data through ePDF uploads, scanned documents, online data fetch, and AA frameworks across multiple lending journeys.
Alternate Data Fetch
Fetches data from alternative sources in the form of company information, litigation data, and alerts based on statutory compliance
Verification
Verifies all KYC details for Entities or individuals
Data Cross-Analysis
Cross-analyses key financial metrics by analyzing multiple data sources like bank, GST, ITR, financial statements, MCA, Bureau, and EPFO.
Risk & Strength Analysis
Identifies risk triggers and strength indicators based on multi-doc reconciliation and alternate data analysis
Lender’s Policy Check & Eligibility Calculation
Finally, it prepares a detailed CAM report with eligibility basis lender’s credit policy
Benefits Perfios CAM Offers
Fraud Prevention
5% Reduction in Fraud Losses
Increased Operational Efficiency
50% Increase in Credit Manager Efficiency
Saves You Time
80% Reduction in CAM Preparation Time
Reduced Dependencies
90% Reduction in Dependency on CPA
Cutting-Edge Features that Win Big
Multi-Document Reconciliation
Our platform supports the cross-validation of key financial metrics between different data sources for a unified view.
Customizable & Compliant Output
Our tool is adaptable to align with various BREs and credit policies for accurate eligibility calculations and approvals.
External Database Validation
Enrich the credit assessment process through alternate data & utilise open data sources for additional cross-validation.
Risk & Strength Indicators
Identify anomalies using transaction and external data analytics to identify risks and strengths in loan applications.
Document Metadata Identification
Identify if the original document was tampered with and verify documents without limitation on scale.
Fraud Prevention Measures
Implement secure safeguards to identify discrepancies & irregularities via multi-document reconciliation.
Regulatory Compliance Checks
Ensure regulation adherence by thoroughly analyzing negative indicators in filing details.
Know Your Customer Better
Understand the borrower’s profile through advanced KYC measures & professional verification
Profile Summary Note
Creates a profile summary for the loan application, helping accelerate underwriting and approval process
Perfios CAM Product Packages
Retail Plans
CAM Essential
CAM Advanced
CAM Ultimate
Documents We Analyse
Bank Statement, Bureau-Commercial & Consumer
All Essential + PAN & OVDs, Salary Slips
All Advanced + Form 16, Form26AS, ITR, ITR-V
Overall Summary
Banking Info with XNS
Consumer Bureau Report
Repayment Track Record
Fraud Triggers
Strengths and Risks
Personal Discussion Sheet
Income Verification
Form 16
Form 26AS (TDS)
ITR
ITR-V
EPFO Fetch
SME Plans
CAM Essential
CAM Advanced
CAM Ultimate
CAM Cashflow
Documents We Analyse
Bank Statement, Bureau – Commerical & Consumer
All Essential + PAN & OVDs, GST, ITR, ITR-V, Financial Statements
All Advanced + Stock Statement
All Essential + GST
Overall Summary
Banking Info with XNS
Consumer Bureau Report
Commercial Bureau Report
Repayment Track Record
Fraud Triggers
Strengths and Risks
Verification
Cashflow Summary
GST Summary
ITR V
Financial Spread
Ratios
Professional Registration
CA Membership Status
Company Info
Statutory Compliance & Alerts
Litigations
Credit Rating
Auditor Profile
QPR**
Income Details
Expense Details
Compliance
Alerts
Projected Cashflow Requirement
The Possibilities of Perfios CAM
Industries Perfios Garner
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Perfios
- 17 January 2025
Industries
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Perfios
- 15 January 2025
AI Banking and Financial Services Blog Fintech
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Perfios
- 13 January 2025
Blog Industries TKYC
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Perfios
- 27 December 2024
Blog Industries TKYC
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Perfios
- 26 December 2024
Banking and Financial Services Blog Industries
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Perfios
- 24 December 2024
eKYC Industries KYC TKYC
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Perfios
- 16 December 2024
Banking and Financial Services Blog eKYC Industries KYC Products
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Perfios
- 11 December 2024
Precision, Security, Confidence—Experience the Future of Credit Assessment with us.
The easiest integration decision you'll ever make.
Precision, Security, Confidence—Experience the Future of Credit Assessment with us.
