Fintech Product · 2025
GetCred alternative credit intelligence
Explainable cashflow underwriting and alternative credit scoring for India’s 80M+ gig and informal workers.
Visit live projectSituation
Legacy credit bureaus exclude 80M+ Indian gig and informal workers who lack formal CIBIL credit histories despite active daily UPI transaction footprints.
Constraint
Must ensure zero raw financial statement retention under the DPDP Act 2023 while maintaining sub-5ms inference latency for real-time lender underwriting.
Decisions
Engineered a 14-feature UPI cashflow extractor, deployed an explainable tree-based model with SHAP attribution, and built a lender cockpit for real-time risk simulation.
Outcome
Enabled instant 0–900 GigScore evaluation, sub-5ms decision latency on 2M+ simulated monthly transactions, and cryptographically auditable zero-retention reports.
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