Synthia AI · CAM Assist

Your CAM, drafted in minutes. Signed by your credit manager.

Every deviation flagged by clause. Every figure traced to its source.

CAM Assist assembles the Credit Appraisal Memo from QC, PD, legal, bureau, banking and other sources, on the LOS you already have. Your credit manager edits, owns and signs.

Get your AI-Readiness Report

CAM assembly: Weeks to MinutesShows up in: credit cost
Draft CAM from 14 source artifacts: ~6 min
Of a credit officer's week spent writing memos: 30–40%
Turnaround time, with every file checked against your SOP: 4× fasterShows up in: AUM growth

The problem

Your credit officers write memos. They should be making credit calls.

A manual CAM takes 1–2 hours, even for a simple file. That is time your credit team is not spending on credit judgment.

Today

Without CAM Assist

30–40% of a credit officer's week goes into writing memos.
A manual CAM takes 1–2 hours, even for a simple file.
An NPA is visible in the file long before it is visible in the book.
Reviewers read forty pages to find two exceptions.

With CAM Assist

Credit managers review exceptions, not pages.

A draft CAM from 14 source artifacts in about 6 minutes.
FOIR, LTV and bureau pre-computed.
Every figure linked to the exact line of the exact document it came from.
Deviations cited by SOP clause and routed to the right sign-off level.
Clean items pre-approved per policy, so officers review two flagged exceptions instead of forty pages.

How CAM Assist works

Four steps. One signed memo.

CAM Assist runs your own credit SOP. It drafts. Your credit manager decides.

01 · Assemble

Pull every source into one memo

QC, PD, legal, bureau, banking and other sources come together in a single draft CAM.

02 · Compute

Pre-compute the ratios

FOIR, LTV and bureau checks are calculated before the memo reaches your credit manager.

03 · Flag

Cite every deviation by clause

Deviations are flagged against the SOP clause they break and routed to the right sign-off level.

04 · Sign

Your credit manager signs

The credit manager edits, owns and signs. Every edit is marked AI or person, and logged.

What your credit manager sees

AI does the heavy lifting. Your officer signs in minutes, not days.

If the review is as hard as reading all 50 documents yourself, the AI saved nothing. This is the part most AI vendors skip, and the part your regulator cares about most.

RBI's FREE-AI framework makes human accountability non-negotiable. So the question isn't whether a person reviews the AI's work. It's how long that review takes.

Most AI products hand the reviewer a chat log or an engineer's trace viewer. When review is slow, reviewers start rubber-stamping: approve-by-default is exactly the failure mode a regulator fears.

Synthia AI gives your officer a review surface, not a transcript, purpose-built per SOP, for the person who has to sign it.

01
Explainability at the point of decision
Every value linked to its source: hover any figure and jump to the exact line of the exact document it came from.
02
Exceptions pre-flagged, with next actions
Deviations cited by SOP clause and routed to the right sign-off level. Clean items pre-approved per policy.
03
Every edit marked AI-or-person
The override itself is logged. The trail writes itself, so it's faster and more audit-ready.

Reviewer surface: CAM / LN-2291184

FOIR42.8%Bank stmt, p.4 §2✓

LTV68.0%Valuation §3.1✓

Income proof: staleSOP 4.2(b)

PD checklist: 2 points missedSOP 7.1

Bureau: CIBIL 741PassBureau pull §1✓

11 of 13 checks clean · 2 exceptions to reviewApprove

Illustrative reviewer surface. Clean items pre-approved per policy; exceptions cited by clause and routed to the right sign-off level.

The proof

Draft CAM: 14 sources to ~6 min

CAM assembly goes from weeks to minutes, with every figure traced to its source.

Proof

Synthia AI in live lending deployments.

Results from the Synthia AI Lending Databook, on live loan books.

80%

less analyst effort

Plain-English questions on a loan book's performance, answered from live data.

We really like the ease with which we can interact with the system using plain english to analyse a loan book's performance.Kaushal Sarda, Venture Partner, UC Impower

Read the case study

95%

less manual ETL work

LOS, LMS and collections data in one source of truth.

75%less analyst time on report preparation

Read the case study

Who it helps

Built for the people who own the credit decision.

Credit managers

Review exceptions, not pages

Open a pre-checked file, see the two flagged exceptions, and decide. The memo is already drafted.

Credit heads and CROs

Catch deviations before they become NPAs

Every deviation is cited by clause and routed to the right sign-off level, file by file.

Audit and compliance

Show who decided what

Every AI decision is reconstructable. Which file, which clause, which model, who signed.

Built-in governance

Four rules the platform enforces, not four policies you have to remember.

Governance isn't a module you buy on top. It's how every workflow in Synthia AI is constructed, which is why the audit trail is a by-product of doing the work rather than a project after it.

Every AI output is a draft until a named officer signs it.

Every AI check cites the SOP clause it ran against.

Every action, AI or human, is logged and fully auditable.

Low-confidence or fraud signal → human escalation, always.

How we deploy

Live on your LOS in weeks, without changing your core systems.

Forward-deployed engineers, on your infrastructure, working alongside your credit and ops teams. You never have to say yes to a platform transformation, only to one SOP.

Step 01 · 2 weeks

Pilot

One lending SOP you've already named, on your files, on your infra. Success criteria agreed on day one.

Step 02

Embed

Forward-deployed engineers fit the workflow to your SOPs, your systems and your sign-off levels. 60–80% of what you need is pre-built on day one.

Step 03

Scale

Your next SOP rides the same governed layer, so it lands in half the time.

2 weeks

To a live pilot on one SOP

60–80%

Pre-built on day one

3–4×

Faster delivery

Any cloud, on-prem or sovereign VPC. Any AI model, no lock-in. ISO 27001 certified, SOC 2 Type II compliant. Paid on outcomes, with ROI agreed per SOP before we build.

Speak to our fintech expert

See CAM Assist in action.

Pick a time that suits you. Our fintech expert will walk you through it live.

1
A CAM drafted from source documentsQC, PD, legal, bureau and banking pulled into one memo.
2
Deviations flagged by clauseRouted to the right sign-off level.
3
Every figure traced to sourceHover a number, jump to the exact line it came from.
4
Officer sign-off and audit trailEvery edit marked AI or person.

You can also get your free AI-Readiness Report.

Pick a time that suits you

Our booking calendar is provided by Cal.com, which needs functional cookies to work. Allow them and the calendar opens right here.

Book on Cal.com (opens in a new tab)

Your CAM, drafted in minutes. Signed by your credit manager.

Your credit officers write memos. They should be making credit calls.

Without CAM Assist

Credit managers review exceptions, not pages.

Four steps. One signed memo.

Pull every source into one memo

Pre-compute the ratios

Cite every deviation by clause

Your credit manager signs

AI does the heavy lifting. Your officer signs in minutes, not days.

Draft CAM: 14 sources→ to ~6 min

Synthia AI in live lending deployments.

Built for the people who own the credit decision.

Review exceptions, not pages

Catch deviations before they become NPAs

Show who decided what

Four rules the platform enforces, not four policies you have to remember.

Every AI output is a draft until a named officer signs it.

Every AI check cites the SOP clause it ran against.

Every action, AI or human, is logged and fully auditable.

Low-confidence or fraud signal → human escalation, always.

Live on your LOS in weeks, without changing your core systems.

Pilot

Embed

Scale

See CAM Assist in action.

Pick a time that suits you

Your credit officers write memos. They should be making credit calls.

Without CAM Assist

Credit managers review exceptions, not pages.

Four steps. One signed memo.

Pull every source into one memo

Pre-compute the ratios

Cite every deviation by clause

Your credit manager signs

AI does the heavy lifting. Your officer signs in minutes, not days.

Draft CAM: 14 sources→ to ~6 min

Synthia AI in live lending deployments.

Built for the people who own the credit decision.

Review exceptions, not pages

Catch deviations before they become NPAs

Show who decided what

Four rules the platform enforces, not four policies you have to remember.

Every AI output is a draft until a named officer signs it.

Every AI check cites the SOP clause it ran against.

Every action, AI or human, is logged and fully auditable.

Low-confidence or fraud signal → human escalation, always.

Live on your LOS in weeks, without changing your core systems.

Pilot

Embed

Scale

See CAM Assist in action.

Pick a time that suits you

Draft CAM: 14 sources to ~6 min

Draft CAM: 14 sources to ~6 min