Poonawalla Fincorp Limited (PFL), a Cyrus Poonawalla Group-promoted non-banking financial company (NBFC) focused on consumer and MSME lending, has announced the launch of five new AI-powered solutions as part of its enterprise-wide digital transformation strategy.

The new systems—Early Warning System (EWS), Travel Bot, RegIntel, Employee Relations (ER) Governance Tool, and AI-based Suspicious Transaction Reporting (STR)—aim to embed artificial intelligence across PFL’s core operations. This initiative goes beyond automation to create intelligent, scalable, and compliance-ready systems that support predictive and prescriptive decision-making.

According to Arvind Kapil, Managing Director and CEO of Poonawalla Fincorp, “We at Poonawalla Fincorp, with 45 AI projects in progress, are reimagining how our organisation operates by integrating intelligence into every function. From improving regulatory compliance and reporting accuracy to predicting attrition and simplifying travel processes, each of these AI-led systems enhances agility, transparency, and governance. Some of these projects represent industry-first innovations that could redefine NBFC operations.”

The five AI-powered solutions include:

Suspicious Transaction Reporting (STR): An AI/ML-powered system designed to strengthen Anti-Money Laundering (AML) compliance by minimising false alerts in transaction monitoring. The system improves detection accuracy, operational efficiency, and the reliability of reports submitted to regulators.

RegIntel: An AI-powered compliance assistant that autonomously addresses employee queries on internal policies and regulatory frameworks. Featuring contextual policy mapping, adaptive logic, and instant summaries, RegIntel reduces manual interpretation and enhances real-time governance insights.

Early Warning System (EWS): A predictive HR analytics tool that uses deep neural networks and tree-based algorithms to forecast workforce attrition risk. By identifying at-risk employees and underlying factors, EWS enables proactive retention strategies aligned with company goals and compliance requirements.

Employee Relations (ER) Governance Tool: A data-driven AI platform for managing employee relations cases. It leverages historical data and internal policies to generate recommendations, predict escalation pathways, and maintain audit-ready documentation, ensuring fair and consistent governance.

Travel Bot: An AI-integrated travel automation tool built into Microsoft Teams. It streamlines cab bookings and travel communications, centralises travel records, and ensures transparency through policy-aligned workflows and real-time updates.

PFL is positioning AI as a key strategic differentiator across its ecosystem, spanning areas such as risk management, fraud detection, marketing, compliance, HR, governance, audit, and underwriting. Out of 45 AI initiatives underway, 13 have already been completed.

The company’s “AI-first” approach underscores its commitment to driving intelligent automation, improving accuracy, and strengthening its position as a technology-driven, governance-focused NBFC of the future.