New Delhi, Nov. 21 -- As India sharpens its oversight of digital lending and data governance, the role of AI in credit underwriting is entering a new accountability-first phase. Against this backdrop, Balanchero India Pvt. Ltd., the company behind the fintech platform Balancehero, has announced enhancements to its AI-driven underwriting engine, combining alternative data, behavioral signals, and an evolving generative AI framework.

In a conversation with CiOL, Soumyajit Ghosh, COO of Balanchero, breaks down how the company is recalibrating its credit decisioning stack to stay aligned with regulatory expectations while expanding safe and responsible financial access.

Soumyajit Ghosh explains that the company's data architecture is built ...