Agentic AI
Credit Scoring
Financial inclusion for 620M+ GenZ globally
Starting with 45M+ in India
Built for The Residency (Delta II) · 21-Day MVP Execution Plan · Targeting SF Residency & $1M Funding
Click to explore our Agentic AI Architecture, Global Impact Stats, and 21-Day Execution Timeline
Agentic AIAlternative Credit Scoring
Financial inclusion for 620M+ GenZ globally · Starting with 45M+ in India · Powered by autonomous AI agents
Built for The Residency (Delta II) · 21-Day MVP Execution Plan · Targeting SF Residency & $1M Funding
Curated Showcase
A luxurious editorial blend of data storytelling and curated imagery
Case Study
Creator Ecosystem
Editorial
Global Impact
Portfolio
Education & NIRF
Editorial
Elevated Data Stories
Agentic AI meets curated design for a premium narrative
Editorial
Elevated Data Stories
Agentic AI meets curated design for a premium narrative
Editorial
Elevated Data Stories
Agentic AI meets curated design for a premium narrative
Case Study
Creator Cohorts
Editorial
Infrastructure & NIRF
Problem & Solution
Millions of GenZ (18–24) are credit-invisible and miss out on benefits from modern credit products. We build an alternative, explainable scoring system using consented digital footprints across Education, Creator, and Professional domains - powered by agentic AI with responsible guardrails.
Credit-Invisible GenZ
No traditional credit history; limited access to benefits
- • 45M+ students in India lack CIBIL/PAN records
- • Traditional models ignore modern digital behavior
- • Financial mobility blocked by legacy signals
Alternative, Explainable Scoring
Consent-first, transparent feature importance & tiers
- • Education/NIRF: rank, category, credibility
- • Creator: quality/authenticity, multi-platform trust
- • Professional/Social: consistency, network strength
Financial Inclusion at Scale
Access to benefits; fair credit opportunities for GenZ
• India pilot → global expansion roadmap
Global GenZ Financial Inclusion
Starting with India as our pilot market, scaling to serve credit-invisible youth worldwide
Credit-invisible GenZ globally (ages 18-24)
Total addressable market identified
Indian students under-21 without CIBIL/PAN
India pilot market penetration (15% of global target)
Scale to Southeast Asia, Africa, Latin America
Expansion roadmap progress (3% of 5-year plan)
Domains Overview
A quick glance at our domain modules backed by the genz-ml API: Education/NIRF, Creator Credibility, Social Scoring, and Compliance/RBI RAG.
Education (NIRF)
Institution credibility & feature flags
NIRF integration provides rank, category, score, and an education credibility score used in credit assessment.
Demo call: POST /api/credit_assessment (returns nirf_details & score_breakdown).
Creator Credibility
Ensemble probabilities & tiers
Evaluate multi-platform creators; try the interactive flow.
Social Scoring
Engagement quality & authenticity
Social domain aggregates normalized engagement, quality, and authenticity signals.
Contributes to /api/credit_assessment via social_media_score.
Compliance (RBI RAG)
Guidelines, bias auditing, consent
Bias Auditing
<5% · Achieved
Consent Flows
100% · Implemented
Alt Data
10+ · Integrated
Self-Reflection
Auto · Active
Source: /api/guardrails_status · Compliance appears in /api/credit_assessment too.
Agentic AI Architecture
Autonomous ReAct loops orchestrating multi-step credit analysis workflows
ReAct Agent Loop
Reasoning & Action
Workflow Efficiency
Observe
Collect user inputs & context
Reason
Plan multi-step workflow
Act
Call tools & external APIs
Reflect
Validate outputs & iterate
LLM Backbone
Training Architecture & Fine-tuning
Base Models
- • Llama 3.1 8B: Synthetic data generation
- • Grok API: Tool-calling & reasoning
- • GPT-4o mini: Few-shot prompting
- • Local inference: Data sovereignty
Training Setup
- • LoRA Fine-tuning: Parameter-efficient
- • PEFT Library: Hugging Face integration
- • Colab GPU: Free T4 training (2-4h)
- • Learning Rate: 1e-4, 1 epoch
Training Data Pipeline
Data Pipeline
Hybrid Sources
1K+
Training Profiles
87%
Model Accuracy
NIRF API: University rankings & academic data
Google Custom Search: City GDP proxies & economic indicators
Tweepy + VADER: Social engagement & sentiment analysis
FAISS Vector DB: RBI guidelines & financial regulations
Llama 3.1 Synthetic: 1K+ privacy-safe student profiles
Model Architecture
Ensemble Approach
Model Performance
Logistic Regression: Base scoring model
LoRA Fine-tuning: Agent behavior optimization
scikit-learn: Feature engineering
PEFT: Parameter-efficient tuning
21-Day Execution Timeline
Rapid MVP development for The Residency (Delta II)
Week 1: Reviewing and Improvising
✅ Completed
Days 1-2: Research & Alignment
- • RBI compliance research
- • Define ReAct loop architecture
- • Map data flows & user journey
Days 3-7: Data Generation
- • Synthetic data generation (1K+ profiles)
- • Base scorer training (87% model performance)
- • Mock data pipeline setup
Week 2: Core Build & Agentic Logic
🔄 In Progress
Days 8-9: ReAct Agent Training
- • LangChain ReAct agent implementation
- • LoRA fine-tuning on Llama 3.1
- • Multi-step reasoning workflows
Days 10-14: UI & Testing
- • Streamlit prototype deployment
- • Edge case handling & reflection
- • Agent evaluation metrics
Week 3: Polish, Impact Demo & Pitch
⏳ Pending
Days 15-17: Integration
- • RAG integration with FAISS
- • Production deployment prep
- • Performance optimization
Days 18-21: Launch
- • Demo video & pitch deck
- • Community feedback integration
- • SF Residency submission
Ethical AI Guardrails
Responsible AI with transparency, consent, and bias auditing at the core
Bias Auditing
Demographic disparity threshold
Balance urban/rural, gender, tier-1/tier-3 representation using SHAP analysis
Consent Flows
Transparent disclosure
Explicit opt-in for data usage & synthetic data generation with full transparency
Alternative Data
Non-traditional signals
Social media, app usage, education, employment patterns without PII storage
Self-Reflection
Continuous monitoring
Real-time bias detection with automatic model retraining triggers
Technical Stack & Training
Production-grade AI infrastructure for rapid iteration
Model Training Pipeline
Logistic Regression on 500 synthetic profiles
Agent behavior optimization on Llama 3.1 8B
Natural language rationale generation
Data Sources & Acquisition
NIRF API
University rankings & academic data
Tweepy Social API
Social engagement & sentiment analysis
FAISS Vector DB
RBI docs RAG retrieval system
Synthetic Generation
1K+ AI-generated student profiles
AI Credit Scoring Dashboard
Interactive visualizations showcasing agentic AI credit scoring for GenZ financial inclusion
Psychometric Profile
Your behavioral traits analyzed by AI agents
Score Explainability
Why your credit score is what it is
Risk Distribution
Portfolio risk breakdown
675
Your Credit Score
Familial Network
Credit-connected relationships
Model Performance
AI agent improvement over time
Ready for The Residency
21-day sprint complete · Agentic AI showcase · Financial inclusion at scale
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