360Labs, home

32 / Banking & Finance

Autonomous Lending Platform for a Leasing Company

We replaced a 5-10 day manual loan process with an autonomous lending platform that decides in 24 hours, learns from every loan it has already made, and routes each deal to the cheapest of 4 banks.

Client
AMU Leasing Pvt Ltd
Stack & approach
FinTechDigital LendingSelf-Evolving BRECo-LendingRBI DLD · DPDP
Interface screens from Autonomous Lending Platform for a Leasing Company
Interface, from the 360Labs case-study deck (page 41).

The problem

AMU Leasing ran a manual, fragmented underwriting process taking 5-10 days, driven by a stagnant 120+ variable checklist with no live feedback loop between disbursed loans and incoming decisions. Multi-bank routing, regulatory controls and telematics all sat outside the core workflow.

Solution & architecture

An AI-native autonomous lending architecture with a 24-hour TAT. An event-driven platform with a self-evolving BRE trained on post-disbursement feedback at 4, 6 and 12 months, a real-time co-lending router across 4 partner banks, and telematics-linked risk. Strict RBAC, data masking and DPDP-compliant erasure are baked in.

Why it is built this way

  • Regulatory controls built-in

    RBI DLD, DPDP erasure, data masking

  • Learns from itself

    BRE retrains on post-disbursement outcomes

  • Masking before writes

    Aadhaar/card values obfuscated in logs

Next case study