Transformation story · Aditya Birla Finance
Building the AI operating layer for LAP co-lending at ABFL
Aditya Birla Finance and CredStack are transforming the Loan Against Property co-lending journey—from partner submission and policy fitment through underwriting, disbursement, and portfolio operations.
See CredStack Co-Lending100%
target loan-level diligence
Target impact
70%
target reduction in DD cost
Target impact
<2 days
programme decision and onboarding objective
Target impact
End-to-end
origination to portfolio operations
Target impact
The challenge
Co-lending is not one workflow. It's two institutions trying to operate as one.
Two institutions, one journey
Every partner-originated case must satisfy both originator process and ABFL policy, documentation, collateral, risk, and operational controls.
Fragmented handoffs
Traditional operations depend on people, spreadsheets, emails, and multiple systems to resolve eligibility, deviations, and readiness.
Sampled diligence
Manual programmes commonly review only 30–50% of cases, limiting loan-level risk visibility.
The transformation
One AI layer across the complete co-lending lifecycle.
ORIGINATOR → Case submission → CREDSTACK
Policy fitment
Partner-specific product, geography, borrower, bureau, LTV, FOIR, collateral, and programme rules.
Decision intelligence
Document completeness, credit, bureau, banking, legal, technical, fraud, and operational checks.
Quick CAM
Progressive credit context with eligibility, risk flags, deviations, mitigants, and missing information.
Programme operations
Sanction, onboarding, disbursement, collections, allocation, reconciliation, and monitoring.
GO / REVIEW / NO-GO → ABFL → Sanction → Onboarding → Disbursement → Monitoring
Start with policy fitment
Know whether the case fits before spending time processing it.
Configurable decisioning applies partner-specific rules rather than a single generic underwriting framework.
Programme fitment · LAP · Originator A
PROCEED WITH REVIEW
Documents become decision intelligence
Every case arrives with the credit context already built.
CredStack identifies document types, maps information to the right borrower or entity, extracts required fields, and cross-verifies income, banking, bureau, KYC, legal/title, property, valuation, and supporting credit information.
Traditional
30–50% sampled diligence
Remaining cases have limited due-diligence coverage.
CredStack
100% loan-level visibility
Credit, legal, technical, and operational checks surface exceptions across every case.
One case. One status.
Every exception has an owner.
A shared status tracks programme fit, diligence, credit, legal, technical, operations, open queries, case age, and the next action—replacing email follow-ups with structured resolution.
After disbursement
One operating layer for the entire partnership.
Collections & allocation
Payout reconciliation
Portfolio monitoring
Audit & exceptions
Policy engine
Workflow orchestration
Expected business impact
A co-lending programme designed to scale.
Built in partnership with Aditya Birla Finance
“CredStack and ABFL are building an AI-native operating layer for LAP co-lending—designed to automate the journey from partner submission and underwriting through disbursement and ongoing programme operations.”
Aditya Birla Finance · LAP Co-Lending Transformation
Build a co-lending programme that scales with your partnerships.
Connect originators, policies, AI underwriting, due diligence, disbursement, and portfolio operations through one intelligent operating layer.
See CredStack Co-Lending