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SCIKIQ × Aditya Birla Housing Finance LimitedPitch book
Activating data for India's fastest-growing HFC

Contextualize every loan, risk, and customer withAI-ready data products— not just dashboards.

Aditya Birla Housing Finance Limited (ABHFL) is scaling rapidly in India's competitive housing finance sector, with a $721M book and a strategic focus on affordable urban homeownership. But as lending volumes and regulatory scrutiny rise, siloed data and slow insight threaten growth, margin, and compliance.
01Enterprise 360What is happening?
02Knowledge GraphWhy is it happening?
03AI CopilotTell me, in plain language
04Agent FactoryDon't just tell me—fix it
SCIKIQ × Aditya Birla Housing Finance LimitedThe problem
Why now

AI isn't an algorithm problem. It's a data-readiness problem.

~70%
of enterprise data goes unused
~12%
of orgs are ready for agentic AI (despite ~80% investing)
$2.3T
of digital spend not delivering ROI
For Aditya Birla Housing Finance Limited: Aditya Birla Housing Finance Limited (ABHFL) is scaling rapidly in India's competitive housing finance sector, with a $721M book and a strategic focus on affordable urban homeownership. But as lending volumes and regulatory scrutiny rise, siloed data and slow insight threaten growth, margin, and compliance.
SCIKIQ × Aditya Birla Housing Finance LimitedWhat SCIKIQ does
The platform

Contextualizing data — don't just collect data, activate it.

SCIKIQ is an AI-first, no-code data-fabric platform that unifies siloed enterprise data into AI-ready data products — for enterprise-scale intelligence and data monetization.
Connect

200+ connectors — every source, no latency, no code.

Curate

Contextualize, model and prepare data for every team.

Control

Governed, lineage-traced, compliant by design.

Consume

Copilots, agents, data products and APIs that act.

SCIKIQ × Aditya Birla Housing Finance LimitedThe architecture
From silos to autonomous execution

Four layers — each makes the next trustworthy

01

Enterprise 360 Unify all business-critical data into one view

Breaks down silos across loan origination, risk, collections, and finance—delivering a single source of truth for every business leader.

02

Knowledge Graph Model relationships and root causes

Maps connections between borrowers, loans, properties, vendors, and events—enabling advanced risk and compliance analytics.

03

AI Copilot Natural language answers, grounded in data

Lets leaders ask complex business questions—'Where are collections lagging?'—and get explainable, actionable responses.

04

Agent Factory Autonomous, closed-loop action

Deploys data-driven agents to trigger workflows—reprioritize collections, flag compliance breaches, or optimize loan pricing—directly in LOS/LMS.

SCIKIQ × Aditya Birla Housing Finance LimitedEnterprise 360 — the build
Layer 1 · Enterprise 360 — the build

How we unify Aditya Birla Housing Finance’s data into one business 360

Data remains in core systems—SCIKIQ integrates business entities (borrowers, loans, properties, vendors) across LOS, LMS, CRM, and compliance to deliver a governed, AI-ready business 360.
Systems today — siloed
Loan Origination System (LOS)Loan Management System (LMS)Collections CRMVendor ManagementAudit PortalCompliance PortalProperty RegistryCustomer KYC Platform
Unify · no data movement
Connect

Onboard data from LOS, LMS, CRM, Vendor Mgmt, and more via 200+ pre-built connectors—no code required.

Contextualize

Enrich entities with business context—link borrowers to loans, properties, and vendors; tag risk/compliance attributes.

Resolve & model

Deduplicate and resolve entities (e.g., borrower, property) and model their relationships in a knowledge graph.

Govern

Apply data lineage, quality, and access controls; ensure auditability and regulatory compliance.

Business 360s — entities
Customer 360LOS, LMS, KYC Platform
Loan 360LOS, LMS, Collections CRM
Property 360LMS, Property Registry, Valuation Vendor
Vendor 360Vendor Mgmt, Audit Portal
Compliance 360Compliance Portal, Audit Portal
These 360s feed the Knowledge Graph, enabling root-cause analysis and powering AI Copilot and Agent Factory layers.
SCIKIQ × Aditya Birla Housing Finance LimitedA day in the life
One incident, end to end

From a single signal to revenue impact — traced

Q2 F
Loan origination in Q2 FY24 grows, with 38% to self-employed borrowers in Lucknow.
S. K
S. Kumar's loan (LN-48213) is approved based on property valued at ₹80L by ValuEdge.
Prop
Audit flags ₹18L overstatement in property value by ValuEdge.
Valu
Vendor audit reveals 5 flagged valuation reports from ValuEdge in Lucknow.
Deli
41 loans in Lucknow flagged with >30 DPD, mostly self-employed segment.
Risk
Risk team issues alert on Lucknow Q2 cohort; triggers deep dive.
Coll
Collection efficiency drops to 90% in Lucknow; open cases rise.
NHB
NHB notified of breach; penalty of ₹12L imposed for property valuation failures.
Comp
Compliance Team initiates corrective actions and vendor review.
Vend
ValuEdge suspended; all Q2 loans with their valuations flagged for review.
Luck
NPA in Lucknow portfolio rises to 2.4%, dragging overall margin and cash flow.
SCIKIQ × Aditya Birla Housing Finance LimitedThe control tower
The outcome

One live, trusted view — for the people who run Aditya Birla Housing Finance Limited

Disbursement Growth (YoY)
18.2%
+3.1%
Net NPA Ratio
1.82%
+0.42%
Collection Efficiency
94.5%
-2.0%
Cost-to-Income Ratio
36.7%
-1.1%
Average Loan Approval TAT
4.2 days
+0.8 days
Regulatory Compliance Breaches
2
+2
Spike in delinquencies in Tier-2 city loans originated in Q2 FY24, linked to a cluster of self-employed borrowers with property value overstatements.
SCIKIQ × Aditya Birla Housing Finance LimitedWhy SCIKIQ
Credibility

Proven — not a science project

Track record
  • Among the top augmented-BI platforms (Forrester)
  • NASSCOM Top-10 Deep-Tech Startup (India)
  • Featured at MWC Barcelona & AWS re:Invent for GenAI
  • World's first GenAI fare-rule engine for an international airline
  • Powers a global logistics & supply-chain leader
  • 200+ pre-built connectors · India · USA · UAE
Why not the alternatives
vs. building it yourself

Deliver an AI-ready, governed data fabric in <6 months—at 60% lower TCO and 90% lower IT integration cost. No-code, proven at enterprise scale.

vs. point tools & BI dashboards

Go beyond reporting: unify, contextualize, and activate data for autonomous business action—not just static dashboards.

vs. generic data fabrics/lakes

Purpose-built for financial services: pre-built connectors, compliance controls, and business 360s for lending, risk, and collections.

vs. raw LLMs/chatbots

Ground every answer in governed, explainable data—ensuring regulatory trust and auditability, not hallucinations.

SCIKIQ × Aditya Birla Housing Finance LimitedUse cases
Across the business

Where it pays off, across the business

Finance

Accelerate loan disbursement and margin

Unify origination, approval, and risk data to reduce TAT and optimize pricing, driving faster growth and higher yield.

Loan 360
1234
Risk

Predict and prevent NPA spikes

Trace root causes of delinquency and fraud—linking borrower, property, and vendor data for proactive risk controls.

Customer 360, Property 360
1234
Collections

Boost collections and cash flow

Prioritize at-risk loans, automate reminders, and optimize field actions—improving efficiency and reducing overdue amounts.

Collections 360
1234
Compliance

Automate regulatory and audit workflows

Map every loan, vendor, and event to compliance rules—automatically detect, remediate, and document breaches.

Compliance 360, Vendor 360
1234
IT & Data

Enable AI/ML at business scale

Deliver governed, AI-ready data products for advanced analytics, ML, and GenAI—accelerating digital transformation.

Data 360
1234
SCIKIQ × Aditya Birla Housing Finance LimitedThe ambition
From data silos to AI-powered growth

Activate every loan, risk, and customer with SCIKIQ’s four-layer intelligence stack

Agent FactoryAutonomous execution
AI CopilotSemantic, explainable answers
Knowledge GraphRelationship modeling
Enterprise 360Unified business view
SCIKIQ × Aditya Birla Housing Finance Limited90-day pilot
The path forward

Prove it in 90 days — then scale

Phase 1 · 30 daysUnify & contextualize core lending data
  • Ingest and map data from 4 core systems
  • Entity resolution for borrowers, loans, and properties
  • Initial business 360 dashboards
Phase 2 · 45 daysBuild knowledge graph & launch AI Copilot
  • Deploy knowledge graph across 360s
  • Configure risk/compliance event tracing
  • Launch AI Copilot for business users
Phase 3 · 45 daysOperationalize agents for automation
  • Deploy 2-3 high-impact agents (collections, vendor audit, NPA prediction)
  • Integrate closed-loop write-back to core systems
  • Monitor, measure, and tune business impact
SCIKIQ × Aditya Birla Housing Finance LimitedThe ask
Next steps

Where to start

Unify, contextualize, and activate your lending data—see impact in 90 days.
1Identify 3-4 high-impact data sources (LOS, LMS, Collections, Vendor Mgmt)
2Pilot Customer, Loan, and Property 360s with real business KPIs
3Deploy AI Copilot and one agent for collections or compliance
sales@scikiq.com  ·  SCIKIQ moves the needle on growth, margin, cash, compliance, and operational edge for ABHFL—let’s activate your data.
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