India, Nov. 7 -- As lenders explore agentic AI to accelerate credit assessment and automate lending workflows, the technology is expanding its role beyond conventional credit-scoring models. AI agents can coordinate data retrieval, analyse financial records, identify inconsistencies and support multi-step decisions across lending operations. However, fragmented financial data, algorithmic bias and regulatory accountability remain significant challenges.

Nirav Prajapati, Co-founder and CEO of Ignosis AI, discusses how lenders can deploy agentic AI across credit assessment and collections, improve access to credit for thin-file borrowers and balance automation with human oversight.

Conventional credit-scoring models have long guided lendi...