Fintech AI/ML

Transforming Student Lending —
AI-First Platform for Education Finance.

Delivered a full-stack AI-powered loan platform with automated KYC, document extraction, and real-time compliance checks, turning a paper-heavy loan journey into a streamlined digital experience.

The Challenge

Eliminating Fragmentation.

Auxilo needed to move away from fragmented, paper-heavy workflows to a seamless digital engine. The goal was to create a single, API-driven platform handling the entire journey while ensuring strict compliance.

Complexity

Coordinating students, co-applicants, and guarantors with distinct data needs.

Documentation

Managing identity, income, collateral, academic offers, and visa proofs.

Manual Work

Reliance on paper/PDFs led to manual keying errors and delays.

Compliance

Navigating complex KYC, AML, and bureau checks.

The Solution

AI Document Pipeline.

We engineered a foundational component that converts unstructured documentation into clean, structured data, automating a previously manual bottleneck.

Ingestion

System accepts diverse docs (PDFs, images). Advanced engines (Surya/Docling) digitize raw text.

Extraction

Llama-based models analyze text to extract specific entities like income and employer details.

Output

Clean data is pushed instantly to Salesforce and risk models, eliminating manual entry.

Validation

Real-time cross-referencing against regulatory databases for compliance assurance.

Capabilities

Key Capabilities.

Designed for speed, compliance, and user experience.

API-Driven KYC
Real-time integration with Karza & CIBIL for instant checks.
AI Nudges
Context-aware prompts suggest missing docs to reduce drop-off.
Smart Search
Exa-powered search for global course & program catalogs.
Partner Portals
Dashboards for DSAs to initiate and track applications.
Architecture

Tech Stack.

A cloud-native, scalable, and secure foundation designed for the future of fintech.

FrontendReact (SPA)
BackendFastAPI (Python)
DatabasePostgreSQL, MongoDB, Redis
AI/MLLlama, Surya OCR, Docling
InfraAWS (EC2, ECR), Docker
Outcomes

Business Impact.

Faster Onboarding

Significant reduction in time-to-completion for underwriting-ready loan files.

Operational Efficiency

Drastic reduction in manual effort and errors due to automated KYC and extraction.

Data Foundation

Creation of clean, structured datasets ready for advanced AI underwriting models.

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