AI Credit Scoring.
30-Second Decisions.
Karsaaz Solutions designs and develops secure, scalable fintech platforms for regulated environments. Our approach combines structured system architecture, integration-ready engineering, and governance-aware delivery to support reliable digital financial operations. We operate strictly as a technology development partner and do not provide financial services.
- Consumer, SME, microfinance, and BNPL products
- AI credit scoring with 30-second decisioning
- Automated underwriting workflows
- End-to-end loan origination and servicing
- Repayment scheduling and delinquency management
- IFRS 9 provisioning and SBP reporting
Key Features
Configurable Loan Products
Consumer, SME, microfinance, agricultural, and BNPL products with dynamic rate and term management.
AI Credit Scoring
Behavioral scoring using telecom, utility, banking, and bureau data with 30-second auto-decisioning.
Automated Underwriting
Straight-through processing with automated credit decisions reducing manual intervention.
Loan Origination System
Digital application intake, document collection, credit assessment, and approval workflows.
Repayment Scheduling
Flat, reducing, and diminishing balance calculation with flexible scheduling and restructuring.
Delinquency Management
Early warning models, collection workflows, and aging bucket management.
IFRS 9 Provisioning
Automated expected credit loss provisioning with scenario analysis and SBP prudential reporting.
Islamic Finance Products
Murabaha, Ijara, and other Islamic products with Shariah-compliant calculation engines.
Portfolio Analytics
Real-time dashboards with NPL tracking, delinquency rates, and collection performance.
Achieve Measurable Results
Faster Disbursement
AI scoring and automated underwriting cut time-to-disburse significantly across all loan products.
Better Credit Quality
Bureau and alternative data scoring improve decisions and reduce NPL rates.
Lower Operational Costs
Automated workflows eliminate manual processing steps and reduce cost per loan.
SBP Compliance
Built to align with SBP lending requirements and IFRS 9 provisioning standards.
Portfolio Visibility
Real-time analytics and delinquency management give complete visibility into portfolio health.
Scalable Infrastructure
The platform scales as your loan portfolio grows without compromising credit quality.
Why Choose Karsaaz Solutions
Karsaaz Solutions designs and develops secure, scalable fintech platforms for regulated environments. Our approach combines structured system architecture, integration-ready engineering, and compliance-aware delivery. ● Consumer, SME, microfinance, an
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30-Second AI Credit Decisions
Behavioral scoring across telecom, utility, banking, and bureau data delivers automated decisions in 30 seconds.
IFRS 9 Provisioning Automated
Expected credit loss provisioning runs automatically with scenario analysis and SBP prudential reporting built in.
Islamic Finance Products Ready
Murabaha, Ijara, and Diminishing Musharaka are pre-built with Shariah-compliant calculation engines.
eCIB and Bureau Integration
Integration with eCIB, PMFBY, and alternative data sources is pre-built for credit bureau pull at origination.
Delinquency Management Built In
Early warning models, bucket-based collection workflows, and NPL tracking are part of the platform from day one.
How We Deploy Your Lending Platform
Understanding your loan products, credit policies, bureau needs, and SBP expectations.
Structuring origination workflows, AI scoring, and core banking integration.
Building credit bureau, core banking, and data integrations.
Building origination, credit scoring, repayment scheduling, and delinquency modules.
Validating credit decisions, calculations, disbursement, and compliance reporting.
Launching your platform with ongoing credit model improvement.
How We Deploy Your Lending Platform
Discovery and Compliance Requirements
Understanding your loan products, credit policies, bureau needs, and SBP expectations.
Lending Architecture and Integration Design
Structuring origination workflows, AI scoring, and core banking integration.
Integration Build
Building credit bureau, core banking, and data integrations.
Platform Development
Building origination, credit scoring, repayment scheduling, and delinquency modules.
Testing and Validation
Validating credit decisions, calculations, disbursement, and compliance reporting.
Deployment and Optimisation
Launching your platform with ongoing credit model improvement.
Contact Us
Our AI credit scoring uses behavioral data from telecom, utility, banking, and bureau sources to deliver automated decisions in 30 seconds for most applications.
Yes. Murabaha, Ijara, and Diminishing Musharaka products are pre-built with Shariah-compliant calculation engines. No custom development required.
Yes. Expected credit loss provisioning runs automatically with scenario analysis and SBP prudential reporting built in.
Yes. Buy-now-pay-later products are supported alongside consumer, SME, microfinance, and agricultural loan products.
Early warning models, bucket-based collection workflows, and NPL tracking are built into the platform for proactive portfolio management.
Yes. Integration with eCIB, PMFBY, and other approved credit data providers is pre-built for bureau pull at origination.
