Axis Finance Launches
ABC Scorecards Using TransUnion CIBIL’s Analytics Expertise to Redefine Credit
Risk Management
Chennai, December 08, 2025: Axis Finance
Limited (AFL), one of India’s fastest-growing non-banking financial
companies (NBFCs), today announced the launch of ABC Scorecards —
a suite of advanced Application, Behaviour and Collection Scorecards designed
to strengthen credit risk assessment and portfolio management through the use
of data-driven insights and automation. This scorecard was built
using TransUnion CIBIL’s analytics expertise.
The ABC Scorecards will empower Axis
Finance to evaluate risk objectively, make faster and more consistent lending
decisions, optimize collection strategies, and enhance portfolio health.
Customers will experience faster loan
approvals, greater transparency in credit decisions and access to personalized
loan solutions tailored to their financial profiles. The integrated framework
combines advanced analytics with robust risk models across the entire customer
journey, ensuring lending practices that are fair, consistent and backed by
data.
This launch marks a strategic milestone
for Axis Finance, which is an industry first, and was made possible by TransUnion CIBIL’s TruIQ Innovation Lab. Core teams
from both organizations came together to develop scoring models tailored to
meet the evolving needs of Axis Finance’s lending ecosystem. The initiative
supports Axis Finance’s broader strategy of adopting data-first lending,
automating key processes, and ensuring prudent risk management while driving
sustainable business growth.
Sai Giridhar, Managing Director & CEO, Axis Finance Limited
Commenting on the launch, Sai
Giridhar, Managing Director & CEO, Axis Finance Limited, “At Axis
Finance, we are committed to building a smarter, more inclusive and transparent
lending ecosystem. The launch of ABC Scorecards marks a pivotal step in our
digital transformation, introducing a data-driven approach to credit risk
assessment powered by advanced analytics and automation. We have developed
scoring models using TransUnion CIBIL’s expertise that combines analytics with
real-time decisioning to enhance credit precision, accelerate loan approvals,
and strengthen risk intelligence — all while delivering a fair and seamless
customer experience.”
“We are delighted to assist Axis
Finance to introduce this next-generation risk assessment model,” said Bhavesh
Jain, MD & CEO, TransUnion CIBIL. “By combining TransUnion
CIBIL’s data science expertise with Axis Finance’s on-ground lending
experience, the ABC Scorecards empower lenders to make faster, smarter and more
responsible credit decisions — redefining how credit risk is managed in India’s
lending landscape. With our new advanced analytics suite of solutions “TruIQ”,
we have been able to create models tailored to Axis Finance requirements and
strengthen their risk management capabilities.”
This milestone reinforces Axis
Finance’s position as a forward-looking institution, leveraging advanced
analytics to drive customer-centric innovation and strengthen its ‘Grow
the Good’ strategy through responsible, data-driven practices. This
engagement further strengthens TransUnion CIBIL’s relationship with Axis
Finance, enabling strategic projects between the two.
