India, 29 May 2026, May 29 -- As financial institutions ramp up their use of AI for credit assessment, underwriting, and fraud prevention, Sunil Govindarajan, CRO and Director at Optimo Capital, is cautioning against the trend toward fully autonomous lending. He argues that robust governance and human oversight remain critical components for any successful deployment.

During a panel discussion on Digital Transformation & AI Integration at the CXO Summit & Awards 2026, Sunil noted that while AI offers significant benefits regarding operational efficiency and predictive accuracy, lenders must prioritize systems that are transparent, auditable, and subject to ongoing human evaluation.

"In lending, speed without governance can become a risk...