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Inspiration

What it does

How we built it

Challenges we ran intoLoan applications are still slow, manual, and frustrating—for both customers and banks. We were inspired by a simple question: Why can’t loan approval feel as smooth as chatting with a human advisor? CrediGenie was born to reimagine loan journeys using agentic AI, where conversations don’t just talk—they complete the job.

What it does

CrediGenie is an agentic AI loan assistant that conducts persuasive, human-like loan conversations via a web chatbot, verifies KYC, evaluates credit eligibility, requests documents when needed, and generates a downloadable PDF sanction letter—all end to end, in minutes.

How we built it

We designed a Master Agent as the conversational orchestrator that coordinates multiple Worker Agents—Sales, Verification, Underwriting, Document Validation, and Sanction Letter Generator. The system integrates mock banking APIs (CRM, Offer Mart, Credit Bureau), applies deterministic underwriting rules, calculates EMI using

EMI

𝑃 ⋅ 𝑟 ⋅ ( 1 + 𝑟 ) 𝑛 ( 1 + 𝑟 ) 𝑛 − 1 EMI= (1+r) n −1 P⋅r⋅(1+r) n ​

and delivers results through a desktop-friendly chat UI with uploads and PDF downloads.

Challenges we ran into

Designing a stateful, multi-agent orchestration flow without breaking conversation continuity

Handling edge cases like low credit score, missing documents, and API failures gracefully

Balancing persuasive sales tone with ethical, non-spammy AI behavior

Making complex underwriting logic understandable to non-technical users

Accomplishments that we're proud of

End-to-end loan journey completed inside a chatbot

Deterministic underwriting with explainable decisions

Auto-generated, realistic PDF sanction letters

Clear handling of edge cases with fallback paths

Commercially viable, desktop-first prototype aligned with real banking workflows

What we learned

We learned that agentic AI is most powerful when roles are clearly separated. Orchestration matters more than model size, and trust comes from transparency—explaining why a loan was approved or rejected is as important as the decision itself.

What's next for CrediGenie

Real credit bureau and KYC integrations

Multilingual and voice-based loan conversations

ML-driven conversion optimization and offer personalization

Secure digital signatures and audit logs for production use

CrediGenie is not just a chatbot—it’s a loan officer that actually gets things done. 🚀

Accomplishments that we're proud of

What we learned

What's next for Credigenie

Built With

• api
• credit-bureau)
• docker-for-local-containerized-deployment
• fastapi-/-flask
• for
• git-&-github-for-version-control
• javascript
• json-based-data-storage
• llm-(watson-assistant-or-openai-compatible-model)-for-master-agent-orchestration
• microservice-based-worker-agents
• mock-rest-apis-(crm
• offer-mart
• postman
• python
• reportlab-(pdf-generation)
• streamlit-/-react