Examiner-grade AI for commercial lending, built from inside the underwriter's seat.
CreditOS is the white-box commercial lending platform built by an active US commercial credit underwriter — covering document intelligence, financial spreading, memo generation, policy-aware decisioning, and SR 11-7 audit trail. Architected to OCC handbook and FFIEC examiner-readiness standards.
"Most lending platforms are built by engineers who've never reconciled a global cash flow, never written a watch-list memorandum, never sat on a loan committee."
— Chandraditya Ghosh · Founder, KIAAN Intelligence
Banks don't fail exams on features. They fail on traceability.
Incumbent lending platforms ship AI agents that recommend decisions banks can't explain to examiners. The OCC, FDIC, and FFIEC don't grade vendor demos — they grade audit trails, model documentation, and explainability under SR 11-7.
CreditOS is the counter-position. Every output — every spread, every risk grade, every memo paragraph — traces to a policy rule, a financial input, or a documented exception. Single-tenant per bank. No cross-tenant model training. No black box.
Built by an active US commercial credit underwriter, designed to OCC handbook standards, FFIEC examiner-readiness guidelines, and SR 11-7 model risk governance frameworks.
What community banks actually need vs. what they get.
CreditOS is not trying to be nCino. It's the answer to the question community-bank CCOs ask quietly: "What if the platform was built for us, not retrofitted from enterprise?"
Incumbent
Origination
Six layers. End-to-end. Examiner-ready.
CreditOS covers the full commercial credit workflow — from raw documents in to committee-ready memoranda out — with audit trail, model risk governance, and predictive analytics built in by design.
Document Intelligence
Automated ingestion of tax returns, financials, rent rolls, and entity documents. Structured extraction with examiner-grade accuracy.
Financial Spreading
DSCR, global cash flow, adjusted net worth, and LTV computation across borrower, guarantor, and entity dimensions.
Memo Generation
LLM-driven credit memoranda grounded in your bank's own underwriting policy and historical decisions. Examiner-ready by default.
Policy-Aware Decisioning
Transparent rule application. Exception flagging with rationale. Approval workflow routing aligned to your committee structure.
Institutional Memory
Chained, immutable audit log of every decision, rationale, and override. Built to survive SR 11-7 model risk examiner review.
Predictive Analytics
Early-warning signals 60-90 days before formal classification. Surfaces covenant risks, concentration exposures, refinancing pressure.
14 years of commercial credit. Today's deal. Tomorrow's product.
I underwrite CRE and C&I loans at a US community bank as an active commercial credit underwriter — running rent rolls, DSCR, global cash flow, guarantor analysis, and committee-ready credit memoranda. The discipline of daily underwriting work informs CreditOS architecture and product priorities at the conceptual level — never with any borrower data, names, or identifiable deal information.
Previously: Director, Product Management at Resilience Inc. defining the AI roadmap. Ten years at Indian Bank (4,200 branches, 50M+ customers) — led Regional Special Assets across 73 branches, cut NPL ratio 19%, lifted provisioning accuracy 18%. Built early-warning credit risk models in Random Forest, SVM, ANN. Shipped IndOASIS, the bank's digital banking platform.
Education: MBA Business Analytics from Clark University (Provost Scholar, MBA Student Council President, Top 5 Finalist National Business Pitch Competition). Executive Program in AI/ML from IIM Ahmedabad.
Transparent tiers. 60-90 day pilot.
Most lending platforms hide pricing behind sales gates. We don't. Here's what you'd pay — and what's included.
For community banks under $500M in assets running pilot deployments.
- Single-tenant per-bank deployment
- Up to 50 credit memoranda / month
- Document intelligence + spreading
- White-box explainability
- Email support, 24-hour SLA
For community banks $500M-$2B running active commercial lending operations.
- Everything in Foundation
- Unlimited credit memoranda
- Policy-aware decisioning + exception routing
- SR 11-7 chained audit log
- Predictive analytics + early-warning
- Dedicated success manager
For regional banks, BDCs, and private credit funds with custom integration needs.
- Everything in Core
- Custom integrations (LoanVantage, nCino, Salesforce)
- Dedicated environment + custom model fine-tuning
- Examiner-readiness consulting
- Priority engineering support
- White-glove pilot onboarding
A pattern of building infrastructure for under-served markets.
KIAAN Intelligence is the synthesis of a decade of building product where institutional incumbents leave gaps. CreditOS is the flagship. EduOS is the parallel track.
EduOS — School Operating System
Multi-tenant school operating system for English-medium private schools. End-to-end operations: admissions CRM, fee collection, SIS, attendance, exams, communication. UPI-direct fee architecture (school's bank, not ours).
Pilot conversations are open.
If you're a CCO, SVP Credit, CRO, or Board member at a community or regional bank, BDC, or private credit fund — let's talk about what CreditOS could mean for your underwriting workflow.