{"id":88236,"title":"Tejas AI – AI-Powered Risk Decisioning for BFSI","tagline":" Banking moves fast. Risk decisioning should too.","body":"\u003e ### **Hey everyone 👋**\n\nI’m [**Gaurav**](https://www.linkedin.com/in/gauravluhariwala/), founder of **Tejas AI**.\n\n### **TL;DR**\n\nWhen banks grant loans, they make decisions based on their complex, proprietary credit rules. These rules are maintained by humans and, given their complexity, even the smallest changes can take up to six months to implement. This lag alone costs banks billions of dollars each year.\n\nAt Tejas AI, we enable banks to harness the power of AI to update their credit rules and other policy documents. Our platform allows banks to update credit rules faster, more frequently, and on a hyper-local level.\n\nhttps://www.youtube.com/watch?v=pMwLWzL_t0M\n\n## **The Team**\n\n* [**Gaurav**](https://www.linkedin.com/in/gauravluhariwala/) **(CEO):** Led Product \u0026 Business at Tartan, scaling revenue 8x in a year by building KYC and data solutions for Indian banks. Previously built and sold a D2C conversion product to 30+ brands—while still in college.\n\n---\n\n## **💥 The Problem**\n\nImagine you’re a risk manager leading a 200-person team at a bank, dealing with:\n\n✅ Millions of loan records scattered across fragmented systems\\\n✅ Constant regulatory changes that impact risk policies\\\n✅ Thousands of credit rules requiring manual interpretation\n\nYour team spends weeks—sometimes months—trying to answer:\n\n\u003e Where are the pockets high risk of loan defaults?”\\\n\u003e “Where all should the bank expand next?\n\nAfter all this effort, you get a handful of incomplete recommendations, leaving you guessing instead of making data-driven decisions.\n\n💸 Banks **lose billions** in missed opportunities, defaults, and penalties.\n\n---\n\n## **🚀 The Solution – Tejas AI**\n\nTejas AI is an AI-powered decision automation platform that gives banks full control over AI-driven risk decisioning—enabling faster decisions, smarter risk management, and scalable growth with confidence.\n\n### **🔹 How It Works**\n\n✅ **Data Ingestion \u0026 Policy Input**\n\n![uploaded image](/media/?type=post\u0026id=88236\u0026key=user_uploads/992401/4452a7c7-f0f1-4aee-bbf3-16e64e598383)\n\n* Banks upload loan records, risk models, and existing policies.\n* Teams set business goals—whether they want stricter lending criteria or aggressive expansion.\n\n✅ **Real-Time Impact Analysis \u0026 Recommendations**\n\n![uploaded image](/media/?type=post\u0026id=88236\u0026key=user_uploads/992401/b9330bb8-7c48-4ad6-b1cb-798c753e4e21)\n\n* AI identifies optimal lending strategies and highlights risk areas—all with full explainability.\n* Teams see the projected impact on key business metrics before making a decision on each of the provided strategy.\n\n✅ **AI-Powered Policy Exploration \u0026 Simulation**\n\n![uploaded image](/media/?type=post\u0026id=88236\u0026key=user_uploads/992401/9de730e3-88aa-49d5-94c1-a5bd0d16df5b)\n\n* Teams run \"What-If\" simulations—testing how changes to risk models will impact loan approvals, risk, and profitability.\n* Users input policy queries in plain English, and AI processes them instantly.\n* The system analyzes borrower behavior, risk factors, and trends to generate optimized policies.\n\n✅ **Automated Policy Execution**\n\n![uploaded image](/media/?type=post\u0026id=88236\u0026key=user_uploads/992401/226c1b55-3622-43b5-b6a8-fc4815445f51)\n\n* Once a policy is finalized, Tejas AI converts it into executable code for their BREs (Business Rule Engines)\n* No manual coding, no integration delays—just instant deployment.\n\n✅ **Continuous Learning \u0026 Optimization**\n\n* AI learns from loan performance and market trends to improve recommendations.\n* Banks receive ongoing insights and alerts, keeping risk models adaptive and up-to-date.\n\n---\n\n## **Why This Matters**\n\n⚡ **Faster decisions** – from months to minutes\\\n⚡ **Eliminates manual work** – reducing reliance on large risk teams\\\n⚡ **Hyperlocal lending strategies** – AI-driven, explainable, and data-**backed**\\\n⚡ **Instant deployment** – seamless execution with existing banking systems\n\nWe’re bringing AI-powered decisioning to the banking ecosystem—and we’d love to hear your thoughts! 🚀\n\n### **The Ask – Who We Want to Connect With**\n\nWe’re looking to connect with Fintechs, NBFCs, Banks, and Financial Leaders who want to transform risk decisioning with AI.\n\nPlease introduce us to:\n\n* Risk Managers \u0026 Credit Teams\n* Financial Institutions\n\nIf this sounds like you—or if you know someone who’d benefit—let’s talk!\n\n---","slug":"MxA-tejas-ai-ai-powered-risk-decisioning-for-bfsi","created_at":"2025-03-04T02:58:44.393Z","updated_at":"2026-05-25T02:27:22.090Z","total_vote_count":30,"url":"https://www.ycombinator.com/launches/MxA-tejas-ai-ai-powered-risk-decisioning-for-bfsi","share_image_url":"https://www.ycombinator.com/media/?type=post\u0026id=88236\u0026key=user_uploads/992401/4452a7c7-f0f1-4aee-bbf3-16e64e598383","company":{"id":30226,"name":"Tejas AI","slug":"tejas-ai","url":"https://www.trytejas.ai/","logo":"https://bookface-images.s3.amazonaws.com/small_logos/840c36ebb3724b72f41749689acd669665f2e9e5.png","batch":"Winter 2025","industry":"B2B","tags":["Artificial Intelligence","Fintech","Finance","B2B"],"search_path":"https://bookface.ycombinator.com/company/30226"}}