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Credit Risk Assessment Agent

Wipro’s Credit Risk Assessment Agent is an AI-powered solution that automates mortgage loan decision-making by analyzing customer profiles, property data, credit scores, and bank policies. Using multi-source data and intelligent scoring, it delivers real-time risk evaluations to help financial institutions approve or reject loans with confidence and compliance.
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About

Wipro’s Credit Risk Assessment Agent is a comprehensive AI-driven solution designed to streamline and enhance mortgage loan decision-making for financial institutions. Built on AWS infrastructure and powered by Amazon Bedrock’s advanced AI models, the agent automates credit evaluation by integrating structured and unstructured data across multiple domains.

The agent follows a multi-step intelligent pipeline:

Customer Profile Analysis: Evaluates credit score (CIBIL, Experian, Equifax), debt-to-income ratio, employment status, income, savings, and existing liabilities.

Property & Market Intelligence: Assesses property value, neighborhood safety, school ratings, and real estate trends.

Bank Policy Validation: Checks institutional lending policies including maximum loan limits, interest rates, and risk thresholds.

AI-Powered Risk Scoring: Detects discrepancies across credit bureaus, analyzes historical credit trends, and categorizes risk levels.

Decision Agent: Compares customer and property data against bank policies to recommend loan approval or rejection.

AWS Services: Amazon Bedrock, Amazon RDS, Amazon OpenSearch Service, AWS Lambda, AWS Step Functions, Amazon API Gateway, Amazon Comprehend.

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