FinBox raises $40M Series B
Sentinel AI
AI-powered credit decisioning, built for Sri Lanka’s lenders
Build and manage lending policies, automate decisions, and optimise risk strategies with AI-powered workflows and agents at every step.
Sentinel AI
AI-powered credit decisioning, built for Sri Lanka’s lenders
Build and manage lending policies, automate decisions, and optimise risk strategies with AI-powered workflows and agents at every step.
Sentinel AI
AI-powered credit decisioning, built for Sri Lanka’s lenders
Build and manage lending policies, automate decisions, and optimise risk strategies with AI-powered workflows and agents at every step.
Trusted by
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96%
Reduction in TAT for policy changes
96%
Reduction in TAT for policy changes
10X
For every ₹ spent on Sentinel, you save 10X in fraud losses, alone!
10X
For every ₹ spent on Sentinel, you save 10X in fraud losses, alone!
6.5 Billion
Total loans facilitated
6.5 Billion
Total loans facilitated
Build digital lending workflows that scale
Credit Underwriting
Identity Decisioning
Partnership-based Lending
Fraud Detection
Case Management
Turn complex policies into neat workflows
Whether you’re creating basic workflows or sophisticated models involving dynamic pricing and adaptive journeys, build them easily without writing a single line of code.
95%
reduction in TAT for policy changes
176%
increase in lending policies
67%
reduction in engineering effort
Introducing Sentinel AI
Giving lenders the control to make smarter lending decisions
Sentinel AI is an AI-powered credit decisioning platform that helps risk teams build, test, deploy, and manage lending policies without writing code.
Make policy changes faster, test new strategies safely, and gain clear visibility into every lending decision across products and partners.
CRIB
Banking
GST
More sources
Telco & utility data
Data sources
Diverse data sources
Policy builder
KYC service
Monitoring & reports
Third-party integerations
Underwriting
Fraud detection
Audit reports
Internal automations
Early warning signals
Use cases
Build digital lending workflows that scale
Credit Underwriting
Identity Decisioning
Partnership-based Lending
Fraud Detection
Case Management
Turn complex policies into neat workflows
Whether you’re creating basic workflows or sophisticated models involving dynamic pricing and adaptive journeys, build them easily without writing a single line of code.
95%
reduction in TAT for policy changes
176%
increase in lending policies
67%
reduction in engineering effort
Build digital lending workflows that scale
Credit Underwriting
Identity Decisioning
Partnership-based Lending
Fraud Detection
Case Management
Turn complex policies into neat workflows
Whether you’re creating basic workflows or sophisticated models involving dynamic pricing and adaptive journeys, build them easily without writing a single line of code.
95%
reduction in TAT for policy changes
176%
increase in lending policies
67%
reduction in engineering effort
Solutions
From data to decision, without the manual steps in between
From data to decision, without the manual steps in between
Connect
Connect
Bring together bureau inputs, borrower documents, verification results and internal data in one workflow. Connect core banking, loan systems and dealer channels through APIs.
Create
Create
Configure credit policies for personal loans, SME credit, vehicle finance and leasing. Set eligibility rules, approval limits and review paths without lengthy tech changes.
Analyse
Analyse
Track approvals, referrals, exceptions and turnaround time across digital, branch and dealer-led journeys. Test policy changes before rolling them out.
Features
Use AI to support better credit decisions
Use AI to support better credit decisions
Use AI to reduce manual effort, organise borrower information and prioritise applications that need review. Keep lender-defined policy, approval controls and human oversight at the centre of every decision.
Use AI to reduce manual effort, organise borrower information and prioritise applications that need review. Keep lender-defined policy, approval controls and human oversight at the centre of every decision.
AI Copilot
Convert policy documents and credit strategies into rules and workflows with AI-assisted creation and validation.
Show me a list of loan applications pending for underwriting.
Show me a list of loan applications pending for underwriting.
Simulate how changing the credit score threshold would impact approval rates.
Which applications have been flagged for potential fraud?
Which applications have been flagged for potential fraud?
AI Agents
Deploy specialised agents to gather context, run checks, and orchestrate decisions. MCP-ready, with humans handling exceptions.
Income verification
Income verification
Domain validity
Bureau analysis
User traffic
Employment check
Transaction velocity
Synthetic identity
User traffic
User traffic
Document fraud
Document fraud
Device risk
User traffic
User traffic
Policy Simulation & Shadow Testing
Simulate policy changes and shadow-test strategies without affecting live decisions.
Traffic vs Outcome Rate
100
80
60
40
20
0
Ask AI for policy simulations
Ask questions in natural language and get actionable insights across policies, approvals and portfolio performance.
Traffic vs Outcome Rate
100%
25%
Oct 12, 2023
Oct 12, 2023
Interest
Amount
$5,200
$5,200
Reason for rejection
Policy name
Approved
User traffic
Sum amount
Portfolio insights
Track application volumes, approval outcomes, turnaround times, drop-offs and policy performance across lending products and channels.
23 Mar, 2024 - 23 Apr, 2024
Clicks per page
15 Apr, 24
15 Apr, 24
670
1,503
Shadow Testing
Test policies in a live environment without impacting business
Traffic vs Outcome Rate
100
80
60
40
20
0
Shadow Testing
Test policies in a live environment without impacting business
Traffic vs Outcome Rate
100
80
60
40
20
0
What-If Analysis
imulate different scenarios by tweaking policy parameters.
23 Mar, 2024 - 23 Apr, 2024
Clicks per page
15 Apr, 24
15 Apr, 24
670
1,503
360° Monitoring
Track workflows in real time to detect anomalies and compliance.
Traffic vs Outcome Rate
100%
25%
Oct 12, 2023
Oct 12, 2023
Shadow Testing
Test policies in a live environment without impacting business
Traffic vs Outcome Rate
100
80
60
40
20
0
Fraud Detection
Identify and prevent fraud with analytics and rule-based detection. prevent fraud with analytics and rule-based detection
Mule accounts
Domain validity
Employment fraud
User traffic
Disposable email
Transaction velocity
Synthetic identity
User traffic
User traffic
Device concentration
Document fraud
Funds misappropriation
User traffic
User traffic
Success stories
Empowering lenders with Journey Studio
A look at how Journey Studio transforms lending and product development cycles with no-code and genAI-driven rapid prototyping, deep analytics and omnichannel launch with support for products across secured and non-secured assets.
90%
Reduction in turnaround time for policy changes
67%
Savings on engineering resources
1.5 months
Saved in getting LAP offering to market, well ahead of schedule
Success stories
Empowering lenders with Journey Studio
A look at how Journey Studio transforms lending and product development cycles with no-code and genAI-driven rapid prototyping, deep analytics and omnichannel launch with support for products across secured and non-secured assets.
90%
Reduction in turnaround time for policy changes
67%
Savings on engineering resources
1.5 months
were saved in getting LAP offering to market, well ahead of schedule.
Success stories
Empowering lenders with Journey Studio
A look at how Journey Studio transforms lending and product development cycles with no-code and genAI-driven rapid prototyping, deep analytics and omnichannel launch with support for products across secured and non-secured assets.
90%
Reduction in turnaround time for policy changes
67%
Savings on engineering resources
1.5 months
Saved in getting LAP offering to market, well ahead of schedule
Trusted by 100s of enterprises
At IIFL, FinBox’s BankConnect cut costs by 30% and boosted MSME loan approvals by 17%, with smarter fraud detection and 41% conversions.
At IIFL, FinBox’s BankConnect cut costs by 30% and boosted MSME loan approvals by 17%, with smarter fraud detection and 41% conversions.
Rahul Sanklecha
Head of Projects
IIFL Finance
As a founder, I love how Sentinel gives real-time visibility, lets me spot drop-offs, and debug issues without engineering. It’s fast, intuitive, and empowering
As a founder, I love how Sentinel gives real-time visibility, lets me spot drop-offs, and debug issues without engineering. It’s fast, intuitive, and empowering
Karan Mehta
CTO and Co-Founder
Ring (formerly Kissht)
With our complex lending ops, moving to centralized rules was a must. Choosing Sentinel was easy—it’s more than a rules engine; it’s a full lending system.
With our complex lending ops, moving to centralized rules was a must. Choosing Sentinel was easy—it’s more than a rules engine; it’s a full lending system.
Mehekka Oberoi
Director
IIFL Open Neobank
Sentinel supports our MSME credit vision by enabling fast policy changes, improving efficiency, and expanding credit access.
Sentinel supports our MSME credit vision by enabling fast policy changes, improving efficiency, and expanding credit access.
Saurabh Jha
Policy Head
Muthoot FinCorp ONE
At IIFL, FinBox’s BankConnect cut costs by 30% and boosted MSME loan approvals by 17%, with smarter fraud detection and 41% conversions.
Rahul Sanklecha
Head of Projects
IIFL Finance
As a founder, I love how Sentinel gives real-time visibility, lets me spot drop-offs, and debug issues without engineering. It’s fast, intuitive, and empowering
Karan Mehta
CTO and Co-Founder
Ring (formerly Kissht)
With our complex lending ops, moving to centralized rules was a must. Choosing Sentinel was easy—it’s more than a rules engine; it’s a full lending system.
Mehekka Oberoi
Director
IIFL Open Neobank
Sentinel supports our MSME credit vision by enabling fast policy changes, improving efficiency, and expanding credit access.
Saurabh Jha
Policy Head
Muthoot FinCorp ONE
At IIFL, FinBox’s BankConnect cut costs by 30% and boosted MSME loan approvals by 17%, with smarter fraud detection and 41% conversions.
Rahul Sanklecha
Head of Projects
IIFL Finance
As a founder, I love how Sentinel gives real-time visibility, lets me spot drop-offs, and debug issues without engineering. It’s fast, intuitive, and empowering
Karan Mehta
CTO and Co-Founder
Ring (formerly Kissht)
With our complex lending ops, moving to centralized rules was a must. Choosing Sentinel was easy—it’s more than a rules engine; it’s a full lending system.
Mehekka Oberoi
Director
IIFL Open Neobank
Sentinel supports our MSME credit vision by enabling fast policy changes, improving efficiency, and expanding credit access.
Saurabh Jha
Policy Head
Muthoot FinCorp ONE
Supercharge lending
Streamline onboarding, accelerate lending, and enable data-driven decisioning
Streamline onboarding, accelerate lending, and enable data-driven decisioning
Supercharge lending
Streamline onboarding, accelerate lending, and enable data-driven decisioning
Supercharge lending
Risk Management
Identity Verification
Risk Management
Identity Verification
Risk Management
Identity Verification
What is Sentinel
Empowering risk teams with full control over digital lending
We believe that those who understand the business best should have full control over decision-making. This is why we created Sentinel — a no-code credit decisioning platform.
Data Sources
Bureau
Banking
Customer Demography
GST
More sources
Use cases
Underwriting
Fraud detection
Early warning signals
Audit reports
Internal automations
Diverse data sources
KYC service
Monitoring & reports
Policy builder
Third-party integrations
What is Sentinel
Empowering risk teams with full control over digital lending
We believe that those who understand the business best should have full control over decision-making. This is why we created Sentinel — a no-code credit decisioning platform.
GST
More sources
Bureau
Banking
Customer Demography
Data Sources
Audit reports
Internal automations
Underwriting
Fraud detection
Early warning signals
Use cases
Diverse data source
Policy builder
KYC service
Third party integerations
Montoring & Reports
What is Sentinel
Empowering risk teams with full control over digital lending
We believe that those who understand the business best should have full control over decision-making. This is why we created Sentinel — a no-code credit decisioning platform.
GST
More sources
Bureau
Banking
Customer Demography
Data Sources
Audit reports
Internal automations
Underwriting
Fraud detection
Early warning signals
Use cases
Diverse data source
Policy builder
KYC service
Third party integerations
Montoring & Reports
FinBox raises $40M Series B