In this episode, Sunil Yadav shares how AI-driven innovation transforms lending, enabling rapid credit decisions, default detection, and personalized risk-based pricing for deeper financial inclusion. He stresses the industry’s shift from “black box” to explainable, transparent AI models and the need to embed data security and compliance (DPDP Act) into every process.
Core Takeaways: Harnessing decade-long data, building a unified data lake, and designing robust purge and nominee policies for secure, accountable data stewardship.
Infosec & Transparency: Encryption, audit policies, and vendor checks at every stage to ensure compliance and trust.
Cost Action: Rigorous ROI analysis and proof-of-concept validation to balance security, innovation, and team development—delivering efficient, future-ready lending.
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