A Crisil Integral IQ product

An agentic powerhouse to maximize deal flow for commercial bankers

Radar, Compass and Lighthouse: three agent suites that discover, screen and underwrite opportunities, with your credit and lending teams retaining control of every decision

0market signals tracked
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PRODUCT OVERVIEW
RADAR · ALWAYS-ON DISCOVERY COMPASS · POLICY-ALIGNED SCREENING LIGHTHOUSE · CREDIT-READY UNDERWRITING 20+ MARKET SIGNALS 1M+ PRIVATE COMPANIES 50+ DATA SOURCES SOC 2 TYPE II · ISO 27001 WE WORK WITH 35 OF THE WORLD'S TOP 50 BANKS
Today's challenges

Every stage of the lending workflow leaks opportunity

Sourcing is relationship-bound

RMs rely on personal networks to source opportunities. Nearly 60% of their bandwidth is spent pursuing existing relationships

Effort goes into the wrong opportunities

Screening is judgment-driven rather than standardized. Nearly 50% of analyst time is spent evaluating deals that never clear approval

Underwriting remains manual and inconsistent

Workflows often lack analytical rigor and speed, driving up the cost of originating each loan

ESTIMATES BASIS Crisil Integral IQ INTERNAL STUDIES
Introducing the agentic workbench

Radar, Compass and Lighthouse: one connected pipeline

Radar discovers, Compass screens, Lighthouse underwrites

01

Radar: AI powered sourcing

Finds more deals. Turns market signals into actionable lending opportunities across your target sectors

02

Compass: AI powered screening

Pursues the right deals. Prioritizes high-quality opportunities aligned with your bank's lending strategy and risk appetite

03

Lighthouse: AI powered underwriting

Wins more deals. Delivers a credit scorecard and underwriting memo that your committee can review with confidence

The impact

Business outcomes delivered

Get more deals. Win more deals

0×
more opportunities in the funnel
Deal throughput
Before
Now

Radar scans the market around the clock, surfacing high-potential opportunities first

0×
more high-quality deals in the funnel
High-quality opportunities
Before
Now

Compass instantly ranks every lead against your strategy, ensuring only the strongest opportunities reach your desk

0×
faster decisioning
Time to credit-ready conviction
Before
Now

Lighthouse transforms financial spreading and risk analysis into a credit-ready scorecard, reducing timelines from weeks to days

DIRECTIONAL OUTCOMES SHOWN - ACTUAL RESULTS MAY VARY BY BANK, PORTFOLIO AND LOAN TYPE
Why CredSails

Crisil Integral IQ's expertise, built into every agent

A legacy of converting domain expertise into AI

40+ years of institutional intelligence

Leverages Crisil Integral IQ's proprietary scorecard engine, with four decades of experience across diverse credit risk models

Proprietary credit intelligence

Sector-specific frameworks, KPI libraries and credit benchmarks purpose-built for lending

Trusted by leading global banks

Crisil Integral IQ works with 35 of the world's top 50 commercial banks and has deployed AI/ML products at scale. CredSails inherits that standing

AI forward tech capabilities

A dedicated AI Centre of Excellence, backed by a deep workbench of AI engineers, powers every agent

Analyst reviewing portfolio charts
Security & compliance

Certified, compliant and built for your bank's standards

SOC 2 TYPE II CERTIFIED ISO 27001 COMPLIANT GDPR READY NO AI MODEL TRAINING ON YOUR DATA DEPLOYABLE WITHIN THE BANK’S NETWORK
How CredSails works

Built around the outcomes your credit team is measured on

Better prospect discovery

Radar applies a proprietary sourcing methodology and sector-specific signal weightings tracking triggers such as debt maturities, capex and M&A activity across your target market

A broader, always-on funnel instead of a relationship-led approach
20+ market signals tracked across 1M+ private companies
Prospect funnelDISCOVERY SUITE
Universe scannedBROAD
Prospects surfacedFOCUSED
Qualified & rankedREADY

Sharper opportunity screening

Compass applies a proven pre-screening methodology across financial, portfolio, company and industry signals, turning each lead into a customizable go / no-go recommendation aligned with your bank's lending policies and risk appetite

Consistent, policy-based scoring across every deal and analyst
Connected across 50+ data sources spanning credit bureaus, public records and industry databases
Opportunity MemoRECOMMENDATION READY
Financial healthSTRONG
Portfolio fitADEQUATE
Industry outlookSTRONG
85
Weighted opportunity scorePolicy-aligned, analyst-reviewed

Enhanced credit decisioning

Lighthouse embeds deep underwriting experience and rating discipline into every agent, spreading financials and assessing industry risk to produce a credit-ready underwriting memo for committee review

Powered by a proprietary scorecard engine, backed by 40+ years of experience across diverse credit risk models
Integrates with banking systems such as existing LOS and LMS.
Underwriting memoCREDIT-READY
Cash flow strengthSTRONG
Peer benchmarkingSTRONG
Industry riskADEQUATE
What credit teams say
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"Screening is a highly relevant pain point for banks and CredSails helps banks in identifying high quality deals faster"

Chief Risk OfficerRegional commercial bank
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"Solution modularity allows banks to leverage existing templates, making it easy to integrate into current workflows without significant disruption"

Head of Commercial BankingMid-sized commercial bank
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"The domain led AI agents have potential to help credit teams be sharper and faster in decision making."

President, Credit UnderwritingCommercial lending division

FAQs

Radar draws on 20+ market signals across 1M+ private companies and connects to 20+ data sources. Compass and Lighthouse extend this to 50+ data sources spanning credit bureaus, public records and industry databases, plus your bank's own LOS and core banking systems
CredSails is built for fast deployment. Its agentic orchestration framework, configurable agents and integration-ready architecture avoid the lengthy implementation cycles of traditional IT platforms. The platform can be deployed within a defined implementation window with the final timeline depending on your existing LOS & core banking architecture and information security approvals SLAs.
Yes. Your bank's lending parameters and decision thresholds reside in a configuration workspace controlled by your administrators, not in a black box. CredSails is a configurable platform where thresholds, scorecards, templates, methodologies, parameters and workflow components can be customized to align with institution-specific requirements. Every prospecting, screening and underwriting agent inherits the same bank-wide standards unless specifically overridden, ensuring consistency across every deal
Every figure, score and recommendation is supported by a source citation linking back to the underlying document, filing or data feed, along with confidence indicators where data has been modeled rather than audited. Where sources conflict, such as self-reported figure versus audited financials, the agent highlights the discrepancy and explains the rationale behind its recommendation
Each deployment operates in an isolated environment with role-based access controls and bank-selected data residency options across the United States, European Union, United Kingdom and India. Retention periods are configurable, all access changes are logged and your data is never used to train models shared with other customers

See CredSails on your own pipeline

A single-suite pilot, tailored to your target sector, with your credit team retaining control of every decision

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