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Neetix AI
NEETIxAICREDIT ENGINE
Credit Engine · The decisioning brain

Three engines.
One credit API.

Bureau ingestion, feature extraction, and ML decisioning unified into a single API call. Built for production-grade credit infrastructure.

825+

Credit features

<30ms

Decision latency

7

Bureau formats

99.9%

Uptime SLA

Architecture

The three-engine stack

Each engine is independently scalable, but they ship together as one API. Replace your scattered scoring pipeline with one call.

Ingestion

Bureau Engine

Connect to all 7 major Indian credit bureaus through a single endpoint. Auto-detect format, normalize data, handle parsing. Softpulls, hardpulls, JSON, XML.

CIBIL JSON
CRIF (v1, v2, Hardpull)
Experian (JSON & XML)
Equifax
Auto-format detection
Key normalization
Base64 encoded storage
Extraction

Feature Engine

825+ credit features extracted in milliseconds. Tradelines, payment patterns, delinquency, financial ratios, credit utilization — all pre-built.

825+ credit features
SIMD-accelerated parsing
Tradeline analysis
Payment history patterns
Delinquency tracking
Credit utilization ratios
Financial indicators
Scoring

Decision Engine

ML-powered scoring with configurable risk grades. Raw data → APPROVED/DECLINED in under 30ms. Live merchant dashboard for monitoring.

Affordability scoring
Risk grade (A+ to D)
Approval decisioning
Model auto-versioning
Live merchant dashboard
Explainability API
Fallback guarantees
825+

Credit features, ready to use

Pre-built credit features covering tradeline analysis, payment history, financial ratios, delinquency patterns, and more. No feature engineering required on your end.

<30ms

End-to-end decision latency

Raw bureau data → score + risk grade + decision. No cold starts. SIMD-accelerated parsing. Designed for production traffic at p99.

Your data stays with you. Period.

All bureau data is encrypted end-to-end. Even we cannot access your data without your API key — and we don't have one. CIBIL reports, credit scores, tradelines — encrypted and visible only to you. Or deploy on your own infrastructure for full data sovereignty.

End-to-end encryption Zero access by Neetix Self-deploy support No data leaves your network API key controlled access Zero risk of data theft
Platform

Production-grade out of the box

Auth, rate limiting, idempotency, webhooks, audit — everything you'd build yourself for a B2B credit API, already there.

Secure auth

HMAC signing + API keys with rotation.

Rate limiting

Per-merchant rate controls.

Idempotency

Safe request retries.

Webhooks

Real-time event notifications.

Audit trail

Full compliance logging.

Never 5xx

Always returns a response.

Deployment

Cloud or on-prem. You choose.

Managed cloud

Hosted on Neetix infrastructure. Multi-region, 99.9% uptime SLA, fully encrypted. Fastest to go live.

  • Live in 24 hours
  • Auto-scaling
  • Encrypted at rest + in transit
  • Hands-off ops

On-premise / VPC

Deploy on your infrastructure with Docker. PostgreSQL + Redis stack. Data never leaves your network.

  • Full data sovereignty
  • Air-gapped option
  • Docker / Kubernetes
  • Custom SLA + support

Try Credit Engine in your stack

Pilot in days. Decision in milliseconds. See it work on your real bureau data.