Infosys’ white paper explores how AI and ML can transform credit risk management (CRM) for financial institutions. Facing pressures from evolving regulations, fintech disruption, and internal inefficiencies, FIs can use AI/ML to enhance credit scoring, loan pricing, and risk detection. Key applications include pre-qualification using alternate data, chatbots for loan processing, ML-driven underwriting, default prediction, and portfolio risk assessment. AI enables real-time decisions, early warnings, and proactive collections. Success depends on scalable data architecture, regulatory compliance, and robust feature engineering.

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