AI-powered lending at scale: How OPL Innovate is rebuilding India’s digital credit infrastructure

As India’s digital public infrastructure reshapes the financial ecosystem, lending is undergoing a fundamental shift—from document-heavy, manual processes to real-time, intelligence-led decisioning. At the center of this transformation is OPL Innovate, a technology company positioning itself not as a lender, but as the digital credit backbone for banks, NBFCs, and government-led platforms.

In this interaction, Mr. Jinand Shah, MD & CEO of OPL Innovate, explains how AI, advanced analytics, and API-first architecture are redefining credit assessment, accelerating MSME lending, and enabling inclusion at scale—without compromising governance or trust.

Moving Beyond Bureau-Led Credit Assessment

Traditional credit assessment relies heavily on bureau scores and static financial history—an approach that excludes a large section of India’s MSMEs. OPL addresses this gap by embedding AI and machine learning across the lending lifecycle. Its platform integrates alternative and consent-based data sources such as GST filings, bank statements ...