Cost of careful
The cost of careful
Why slow is no longer safe in the era of agentic and AI lending?
Mayank Jain
Sentinel
How to Configure Credit Policy Changes in a No-Code BRE (Without Engineering Tickets)
A no-code business rules engine (BRE) lets risk and credit teams build, test, and deploy lending policy changes—cutoffs, waterfall logic, exclusion rules—without writing code or filing engineering tickets. With a drag-and-drop rule builder, policy changes that traditionally took 4-6 weeks
Sentinel
Who Owns the Credit Decisioning Platform — Risk or IT — and How CROs Use It to Cut NPA
Credit decisioning platform ownership is typically shared: Risk/Credit teams own policy logic, rules, and scorecards, while IT/Engineering owns integration, uptime, and data pipelines, with governance sitting under the CRO or CTO depending on org maturity. CROs use decisioning platforms to
Sentinel
Components of a Credit Decisioning Stack: Decision Engine, Rules, Tables & Scorecards Explained
A credit decisioning platform automates loan underwriting by combining a decision engine, a business rules engine (BRE), decision tables, scorecards, and data integration layers. Rule-based decisioning applies deterministic, auditable logic (e.g., FOIR limits, eligibility checks), while ML
Sentinel
Rule-Based vs ML-Based Credit Decisioning: Can BRE and ML Models Work Together?
Rule-based decisioning uses deterministic if-then logic (decision tables, policy thresholds) that produces identical outputs for identical inputs and is easy to audit. ML-based decisioning uses statistical models trained on historical repayment data to score risk probabilistically and adap
Sentinel
What Is a Credit Decisioning Platform? Definition, Core Components & How It Differs from LOS and BRE
A credit decisioning platform is software that automates the evaluation of a borrower's creditworthiness by combining rule-based logic, ML-based scoring, and data integrations to produce an approve/reject/refer outcome. It differs from a Loan Origination System (LOS), which manages the end
What's behind India's household debt? Increasingly, nothing
India's household debt is rising, and concerns are rising faster.
The RBI wants third-party models on your books
The RBI dropped a draft this week that most coverage filed under "AI kill switch."
When did risk stop being the last question?
Risk teams weren't there to question the direction; they were there to make the journey possible.
This economy is breaking underwriting models
FOIR was built for a stable-price world — one where the gap between a borrower's gross income and what they can actually spare stays roughly constant
The weather outside the portfolio
The RBI lowered its growth forecast while raising its inflation forecast.
What happens when the collateral is the phone in your hand
The RBI formalising device restriction with safeguards is the right call. The alternative was worse on every count.