Lumen Credit OS
Agentic Underwriting · v4.2
Case UWLN-22418·Salaried · Tier-1 IT·Awaiting customer 'Hi'

Ananya Iyer· Personal Loan • Pre-approved channel

T+0.0s
LB
Lumen Bank · PL
online · +91 98••• 4421
Persona
Salaried — Tier-1 IT services
Age
32
City
Bengaluru
PAN
ABXPI•••4F
Employer
Infotech Global Services Ltd. (NSE: INFOTG)
Designation
Senior Product Manager
Monthly Income (claimed)
₹2,48,000
Existing EMI
₹18,500

Underwriting record · live capture

0/26 fields populated

Identity & KYC

Full Name
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PAN
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Aadhaar (masked)
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Date of Birth
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Residential City
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Employment

Employer
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Employer CIN / Listed
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Designation
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EPFO UAN trail
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Bureau & Obligations

CIBIL Score
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30+ DPD (36m)
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Hard Inquiries (6m)
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Trended Utilisation
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Existing EMI Burden
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Income & Cash-flow

Salary Slip Gross
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AA Salary Credits avg
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ITR FY24 Gross
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Income Variance
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Net Disposable Income
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Fraud Signals

Liveness Score
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Document Tamper Score
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Device Velocity
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Policy & Decision

FOIR (computed)
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Eligibility Headroom
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Risk Grade
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Recommended Offer
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Agent Pipeline

0/8

  1. Document Intelligence

    ~7s
    queued

  2. Bureau & Credit

    ~4s
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  3. Account Aggregator

    ~9s
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  4. Employer & Registry

    ~5s
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  5. Income Verification

    ~4s
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  6. Fraud Signals

    ~4s
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  7. Policy & Risk

    ~3s
    queued

  8. Decision & Pricing

    ~3s
    queued

Reasoning Stream

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    Streaming live · 43s total