Predictive Data Sciences

Predictive Data Sciences (PDS) is a fintech company building Velocity LOS — a loan origination system purpose-built for India’s lending environment. We focus on the operational, regulatory, and on-ground realities faced by NBFCs and regional lenders. MSME, Home and LAP lending in India is constrained by: • Long turnaround times driven by manual workflows • High operational and compliance risk • Systems designed for urban banking use cases • Poor support for offline operations and regional languages • AI models that fail RBI explainability requirements Velocity LOS digitizes the full origination lifecycle: • Borrower Onboarding: Mobile-first, vernacular interfaces for field agents and borrowers • Document Intelligence: OCR and automated extraction for income, property, and banking documents • Underwriting Engine: Rule-based and AI-driven scoring with full explainability and audit trails • Workflow Management: Role-based dashboards for sales, credit, ops, and legal teams • Disbursement Readiness: Seamless integration with LMS and banking systems • Field Operations: Offline-ready mobile workflows with sync, geo-tagging, and timestamping Built for India • Designed for semi-rural and distributed lending teams • Offline-first mobile experience • Multilingual interfaces • RBI-compliant explainable AI • Pilot deployments in 4–6 weeks