Credit 3.0, AI-Driven Underwriting & Always-On Loan Monitoring
About this Experience
An evening of intellect and intimacy unfolded, where technology met trust, and algorithms met accountability. The AI in Credit roundtable by Nines Network convened India's foremost financial and technology minds to decode how Artificial Intelligence is reshaping the language of lending. Over fine food, conversation, and candour, participants explored how AI is moving from theory to transformation redefining how we assess creditworthiness, manage risk, and balance innovation with regulation. The discussion went beyond efficiency and automation, questioning where human judgment ends and machine learning begins. At its heart, the evening was about alignment between intelligence and integrity, progress and prudence.
The Table
Each brought a distinct lens to the same question - what happens when data begins to decide?
Ashish Mundada
CIO, Integrow Asset Management
Ashish Kumar
Business Growth, Bind
Bertram Dsouza
CEO, Protean
Deepank Kumar
Head of Debt Capital Market, ESR India
Harpreet Chadha
EasyKey
Jaspreet Sahota
Director Risk, EAAA Alternatives
Lipika Saxena
Chief Credit Officer, RBL Bank
Malcolm Gomes
COO, IDFY
Pratekk Agarwaal
Founder, GrowthCap Ventures
Rahul Zaveri
MD, Protiviti
Sachin Seth
Chairman, CRIF India
Uday Sodhi
Senior Partner, Kurate Digital Consulting
Subber Monga
Partner, Sorin Investments
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Moments that shaped the evening
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Moments that shaped the evening
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Moments that shaped the evening
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Moments that shaped the evening
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Moments that shaped the evening
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Moments that shaped the evening
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Moments that shaped the evening
Behind the Scenes
The preparation, the craft, the intention
Behind the Scenes
The preparation, the craft, the intention
The Conversation
Beyond Data Management
Where does machine learning stop and true AI begin? The room agreed, we're still in the early innings of that evolution.
Containerized Security
The concept of hosting intelligence locally sparked conversation on how on-premise AI and open-source models could redefine cybersecurity and compliance.
Regulation Meets Innovation
RBI's data localization mandates and the non-cloud stance on core systems were debated as both a constraint and a creative opportunity.
Human Oversight as Core Logic
No algorithm can yet replace the analyst who explains a decision. Explainability, not automation, remains the foundation of responsible credit.
EQ - The Final Frontier
While AI has mastered logic, it still cannot replicate empathy. Until it learns emotional intelligence, human judgment will remain the ultimate differentiator.
AI won't replace the analyst - it will empower the one who questions their own model.
Machine learning is computation; intelligence begins where curiosity starts.
The future of credit isn't automation — it's augmentation.
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A glimpse inside the private table.
Perspectives from the Table
Unfiltered, unscripted, unforgettable voices of India's financial leaders
Lipika Saxena
Chief Credit Officer, RBL Bank
"AI doesn't replace human judgment; It augments it by reading mountains of data humans simply cannot process."
Sachin Seth
Chairman - CRIF HighMark Credit Bureau, India
"In credit underwriting, AI cannot be a black box. Every decision must be explainable, unbiased, and grounded in financial parameters - not demographics or assumptions."
Malcolm Gomes
COO, IDfy
"The real value of AI in financial services is not replacing human judgment, but doing what humans cannot - pulling together millions of fragmented data points across records, filings, and transactions, and presenting them as one cohesive, explainable story. That's where smarter, faster human decisions are born."
Be Part of Future Editions
These conversations continue. Join us for upcoming roundtables where curiosity meets craft, and connection becomes insight.