Policy & Program Lending
Today, algorithms often approve loans in seconds based on pre-set “buckets”.
[Image comparing program lending vs manual underwriting]
- Pre-Approved Offers: Why your bank app “invites” you to borrow based on your balance or CIBIL score.
- The “Corporate” Program: How working for a “CAT A” company gets you lower rates and zero-doc magic.
- Negative Filters: Why even an 800 score won’t save you if you live in a “blacklisted” pin code.
Watch this video to find out if you’re in the “slow lane” of manual underwriting or the “Green Channel” of instant approval.