What Do We Do

Finnov enables businesses (financial and operational lenders in B2B or B2C markets).

  • To retrieve and integrate credit information from diverse sources, (bank statements, credit bureau reports, tax and corporate filings, KYC Docs).
  • Analyse and deploy it (through credit cloud, at user level, with custom hierarchical controls).
  • For efficient credit decisions (better insights and lower cost).
  • (With the target outcome of) expanding credit coverage and reducing risk.


  • Credit Bureau Report analyser (intelligent interpretation of data contained in CBR).
  • Bank statement retrieval and analysis Tool (bank statements comes in hundreds of different formats and can run into thousands of pages, we can process them all, in any form).
  • Bank statement and CBR reconciliation tool (relates information in bank statements and credit bureau report for coherence and inconsistencies).
  • Finnov Credit Engine: Comprehensive credit recommendation and pricing engine. ML driven outcomes.

AI is Core Building Block of Our Products

Product Features

Real Time and Online

Cloud native, fully compatible with the online models that require real time credit decisions. Scalable on demand, secure by design.

Proprietary Algorithm

AI and ML driven core. Offers custom analysis as per the credit policy of the organisation. Points out to inconsistencies through cross referencing and validation.


Reconciliation of information contained in Credit Reports, Bank Statements and KYC documents. The source documents can be uploaded manually or retrieved online.

Finnov Evolution

Automate Processing

Deploy Finnov cloud to Automate data retrieval and processing.Use customer rule book. Customize output as per customer formats.

Introduce Best Practices

Extend Finnov learnings and proprietary algorithms to introduce best practices in an integrated solution. Win with superior outcomes.


Big Data, ML and AI Suite

As data flows through Finnov, deploy machine learning and AI tools in credit decisions. Lead the shift from binary yes/no outcomes to a graded continuum with predictable risk.

Finnov Differentiation

Technology at its Core

Cloud, ML, AI, Big Data For us these are not just buzz words but integral part of our products.

Agile and Growth Oriented

Finnov is agile enough to deliver on diverse customer requirements while growing the scale and scope of its offerings.

Team and Access to Talent

Finnov has undeniably the
best team in financial data

What Drives Us

Our primary driver is our need to remain on the cutting edge of the realm of technology and innovation.

Scientific curiosity, eagerness to learn and belief in the power of human thought defines our values.

Team Finnov

Umesh Sinha

CEO and Product

IIT Kharagpur

CoinTribe (CTO)

Policy Bazaar(CTO)


Manish Mishra


IIT Kanpur

Palaash (Co-founder)

Times Internet (Data Scientist)

SCA Technologies (Chief Architect)

Sanjay Kumar

Strategy and Planning

NIT Trichi

Kellogg School of Management



Neeraj Chauhan


London Business School




Contact Us

Gurgaon Office

313, SS Plaza, Sector 47, Gurugram,
Haryana 122018

Ahmedabad office

A-311 ,Siddhi Vinayak Tower Kataria Automobiles Rd, Sarkhej - Gandhinagar Hwy, Ahmedabad, Gujarat 380051

Phone Number