Power smarter
credit decisions
at speed

Empower risk teams with our no-code business rules engine to configure credit policies and craft borrower experiences.
Trusted by leading lenders
About Sentinel

Empowering risk teams with
full control over digital lending

We believe that those who understand the business best should have full control over decision-making. This is why we created Sentinel — a no-code credit decisioning platform.
It also equips risk teams with easy policy deployment, shadow testing, deep analytics, and granular visibility into digital lending operations across partner channels.
The no-code way to automate credit decisions
Use cases

Build digital lending workflows
that scale

Credit Underwriting

Turn complex policies into neat workflows
Whether you’re creating basic workflows or sophisticated models involving dynamic pricing and adaptive journeys, build them easily without writing a single line of code.

Identity Verification

Know who your customer really is
Combine a range of data sources including powerful alternative data and proprietary data into a single workflow for precise decision-making.

Fraud Detection

Stop fraud before it happens
Access a range of data sources including alternative data for seamless KYC. Set up smart fraud decisioning rules that can easily adapt to evolving fraud patterns.

Case Management

Your ticket to ops efficiency
Get a centralised view of cases marked for ‘manual review’ and easy access to CAMs for speedy resolution. Leverage funnel-level analytics to maximise automatic approvals.

Partnership-based lending

Unlimited partners with zero heavylifting
Easily adapt credit policies to changing partnership goals, orchestrate journeys to meet partner expectations, implement dynamic pricing as per partnership terms, and get 360° view of performance across partner channels.

Launching new credit products
has never been easier


A diverse array of data sources ranging from bureau and bank, to GST and alternative data. Integrate proprietary data and scorecards via APIs. Easily validate borrowers against negative checklists or databases.
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Policy modules using Excel-intuitive language and stitch them together to make lending workflows. Test and validate rules as and when you create them. Backtest to see impact of workflow changes.
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Policies for credit decisioning using Excel-intuitive language and stitch them together to make lending workflows. Test and validate rules as and when you create them. Backtest to see impact of workflow changes.
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Workflow performance through a range of analytics reports. Deploy policies in Champion/Challenger mode to compare versions and in Canary Mode to test them in a live environment.
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What our clients have to
say about us

Given the size and complexity of our digital lending operations, the transition from a hard-coded rules engine to a centralised system of rules management was inevitable. However, the real challenge lay in selecting the right credit decisioning software from a market that is rapidly crowding. Yet, our choice was easy because Sentinel isn't another run-of-the-mill business rules engine, it's a comprehensive lending system in itself.
Mehekka Oberoi
Director, IIFL Open Neobank
Sentinel fits squarely into our vision of enabling MSME credit through various products and deepening financial inclusion. It has empowered our risk teams to swiftly implement and manage policies while effectively handling credit risk throughout the lifecycle of our operations across channels. Sentinel has helped boost our business efficiency while also helping us improve credit access to MSMEs.
Saurabh Jha
Credit Risk and Policy Head - Digital Lending - Product and Partnership Alliances, Muthoot FinCorp ONE
Partnership-based lending presents several operational challenges – right from onboarding new partners to adapting credit policies to changing business goals and priorities for each partner. To be able to truly push the boundaries of what’s possible, you need technology than can catalyse co-creation of innovative credit products at speed. Sentinel has empowered us in this regard, by putting us in the driving seat of our partnership endeavours and giving us granular visibility into performance of our loan programmes across partner channels.
Rahul Sanklecha
EVP and Credit Head - Unsecured Business, Machine Loans and Auto Lease, Poonawalla Fincorp
Built for scale

Crafted for ease and
engineered for growth

Scalability is baked into Sentinel’s architecture. Its workflows are designed to expand and adapt in tandem with business growth. With ready integrations to alternative data focused on new-to-credit segments, Sentinel allows you to lend to riskier segments while keeping risk within desired limits. It equips you to better serve and understand SMEs and small-ticket loan borrowers — a relatively untapped market. Furthermore, it integrates seamlessly with external data sources, facilitating scalable business logic.