Customer success story · Aditya Birla Finance
From 12 days to 3: How AI transformed loan due diligence
Aditya Birla Finance partnered with CredStack to automate loan-level due diligence across Credit, Legal, Technical, and Operational checks—expanding risk coverage while reducing the time and cost of review.
See CredStack in action70%
lower operational cost
100%
due diligence coverage
12 → 3
days due diligence TAT
130+
parameters evaluated
The challenge
More loans to review. More risk to cover.
High operational cost
Manual extraction, verification, and analysis required significant operational capacity.
Limited risk coverage
Manual processes constrained how comprehensively every loan could be reviewed.
Slow processing
Multiple checks and hand-offs meant due diligence could take up to 12 days.
The solution
One AI layer across four dimensions of due diligence.
Credit
Identify inconsistencies, policy exceptions, and credit risk indicators.
Legal
Extract and validate legal documentation and surface exceptions for review.
Technical
Convert technical and valuation reports into structured diligence parameters.
Operational
Check document availability, consistency, compliance, and operational parameters.
How it works
From documents to decision-ready diligence.
“Docustack are tackling one of the most complex challenges in securitization and risk reduction at ABFL. This has led to almost 60% improvement in efficiency while significantly mitigating risk by enhancing the coverage of due diligence.”
Arun V. · Head of Product, Aditya Birla Finance
The fundamental shift
Let AI review everything. Let people focus on what requires judgment.
Before CredStack
Manual extraction, individual checks, multiple teams, and manual consolidation constrained both speed and coverage.
With CredStack
- Every loan evaluated against the configured diligence framework
- Exceptions and red flags surfaced for focused review
- Deeper diligence made scalable without increasing operational effort