🔍 Ultra Operations

Credit Underwriting
Ops Team

An AI-assisted credit operations team that handles credit memo preparation, disbursement processing, and collateral valuation coordination – tripling your credit throughput without tripling your headcount.

⚡ The Opportunity

Process 3x More Loans With the Same Team

Credit processing bottlenecks are the single biggest constraint on loan disbursement growth in most Indian banks and NBFCs. Your credit officers are talented – but they spend half their time on data gathering, calculation, and documentation rather than judgment.

Our Credit Underwriting Ops Team handles all the analytical preparation work – so your credit team can focus on the judgment calls that require experience and accountability. The result: 3x throughput with the same credit headcount.

📋 Services Provided

What Our Credit Ops Team Delivers

01
Credit Memo (CAM) Preparation
Credit Memo (CAM) Preparation
Full CAM preparation from raw documents - financials, bureau reports, property documents - with all ratios calculated and policy checks completed.
02
Pre-Sanction Documentation Review
Pre-Sanction Documentation Review
Systematic review of all pre-sanction documents - completeness check, KYC validation, security creation confirmation.
03
Disbursement Operations
Disbursement Operations
End-to-end disbursement processing - condition fulfilment tracking, CBS disbursement entry, and disbursement memo preparation.
04
Collateral Valuation Coordination
Collateral Valuation Coordination
Empanelled valuer coordination, technical and legal report review, LTV calculation, and property insurance tracking.
📊 The Model

Integrated with Your Credit Team

Our credit ops team doesn’t operate in a silo – they work as an extension of your credit department,
following your exact processes and credit policies.

File Received
File Received

Application file assigned to our credit ops team from your LOS or by email/portal.

AI-Assisted Analysis
AI-Assisted Analysis

AI extracts data, calculates ratios, flags issues, and drafts the CAM structure. Our analyst validates and completes.

CAM Delivered
CAM Delivered

Completed, review-ready CAM delivered to your credit officer in 4–8 hours for large complex files.

Scale Your Credit Throughput

x
Credit Processing Throughput
h
CAM Turnaround SLA
%
Policy Compliance Verified
Re-work Due to Errors

Scale Your Credit Processing Operations

Tell us your monthly sanction targets and current TAT – we’ll show you how our team can help you hit them.