Leveraging Technology and Expanding Lending Solutions - A Look into a Leading Financial Services Company

Explore how Poonawalla Fincorp Limited, under the leadership of MD & CEO Arvind Kapil, is integrating AI into debt management, underwriting, HR, and compliance while expanding loan offerings like Prime Loans and Gold Loans. This 7-slide presentation highlights the company’s digital transformation, financial performance, and future-focused lending approach.

1. Leveraging Technology and
Expanding Lending Solutions:
A Look into a Leading Financial
Services Company

2. Introduction to the Company’s Digital Vision
Poonawalla Fincorp Limited promoted by
the Cyrus Poonawalla Group has taken
measurable steps to modernize
operations through technology. With a
strategic focus on AI, the company is
enhancing efficiency across
functions—starting from collections and
credit evaluation to hiring processes.
Simultaneously, it continues to grow its
suite of loan products tailored for diverse
borrower needs across India.

3. AI-Powered Debt Management System
The company recently launched an AI-driven platform to streamline debt
collections. This system assesses customer interactions across tele-calling, field
operations, and digital platforms, then applies over 100 tailored follow-up
strategies. Channel allocation post-default, which once took up to four days, now
happens in under three hours. This helps the company respond to customer
delinquencies more swiftly and efficiently.

4. Improved Risk Evaluation and Governance
With predictive modeling now a part of its risk assessment framework, the
company can identify high-risk accounts with two to three times more accuracy
than before. It also uses generative tools to audit agent-customer calls in real time,
ensuring compliance with internal standards and external regulations. These steps
enhance both operational transparency and customer trust.

5. Strengthening Underwriting and HR with Technology
The company, in collaboration with IIT Bombay, developed a credit evaluation
system that simplifies underwriting and boosts team productivity by 40%.
Additionally, a partnership with ServiceNow enabled automation in audit and
governance tasks. AI has also been introduced in recruitment workflows,
improving accuracy and decision-making during hiring.

6. Loan Offerings for Diverse Borrowers
The firm offers a variety of financial products such as Prime Loans for salaried
individuals, Gold Loans for short-term liquidity, Personal Loans for lifestyle or
emergency needs, Used Car Loans, and Business Loans. These are designed for
speed, transparency, and ease of access. Operating in 18 states and 2 Union
Territories, the company is expanding its reach across both urban and semi-urban
India.

7. Embracing Digital Solutions in Finance
Poonawalla Fincorp Limited, a financial services company promoted by the Cyrus
Poonawalla Group, is undergoing a significant digital shift. Poonawalla Fincorp
CEO Arvind Kapil mentioned implementing AI across several operations to
enhance internal workflows and external service delivery. These advancements
are being carried out alongside the expansion of its loan portfolio, offering smarter
financial access to individuals and businesses across India.

8. Conclusion
This financial services firm is redefining how lending and collections are handled in
India. By embedding AI into critical processes and offering timely financial
products, it aims to serve customers better and faster. Whether it’s through Prime
Loans, Gold Loans, or smarter risk tools, the company is preparing for long-term
growth with a focus on responsible, tech-driven finance.