Tejas AI – AI-Powered Risk Decisioning for Indian Banks

Hey everyone 👋

We’re Gaurav and Bhavesh, co-founders of Tejas AI.

TL;DR

When Indian banks grant loans, they make decisions based on their complex, proprietary credit rules. These rules are maintained by humans and, given their complexity, even the smallest changes can take up to six months to implement. This lag alone costs Indian banks billions of dollars each year.

At Tejas AI, we enable Indian banks to harness the power of AI to update their credit rules and other policy documents. Our platform allows banks to update credit rules faster, more frequently, and on a hyper-local level.

https://www.youtube.com/watch?v=pMwLWzL_t0M

The Team

We’ve known each other for nearly four years and co-founded Tejas AI in 2025.

• Gaurav (CEO): Led Product & Business at Tartan, scaling revenue 8x in a year by building KYC and data solutions for Indian banks. Previously built and sold a D2C conversion product to 30+ brands—while still in college.
• Bhavesh (CTO): Ex-Microsoft, Texas Instruments. Built Enterprise AI solutions for BFSI giants like Allianz (USA), Deutsche Bank (Singapore), and Angel One (India).

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💥 The Problem

Imagine you’re a risk manager leading a 200-person team at a bank in India, dealing with:

✅ Millions of loan records scattered across fragmented systems
✅ Constant regulatory changes that impact risk policies
✅ Thousands of credit rules requiring manual interpretation

Your team spends weeks—sometimes months—trying to answer:

Where are the pockets high risk of loan defaults?”
“Where all should the bank expand next?

After all this effort, you get a handful of incomplete recommendations, leaving you guessing instead of making data-driven decisions.

💸 Banks lose billions in missed opportunities, defaults, and penalties.

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🚀 The Solution – Tejas AI

Tejas AI is an AI-powered decision automation platform that gives banks full control over AI-driven risk decisioning—enabling faster decisions, smarter risk management, and scalable growth with confidence.

🔹 How It Works

✅ Data Ingestion & Policy Input

• Banks upload loan records, risk models, and existing policies.
• Teams set business goals—whether they want stricter lending criteria or aggressive expansion.

✅ Real-Time Impact Analysis & Recommendations

• AI identifies optimal lending strategies and highlights risk areas—all with full explainability.
• Teams see the projected impact on key business metrics before making a decision on each of the provided strategy.

✅ AI-Powered Policy Exploration & Simulation

• Teams run "What-If" simulations—testing how changes to risk models will impact loan approvals, risk, and profitability.
• Users input policy queries in plain English, and AI processes them instantly.
• The system analyzes borrower behavior, risk factors, and trends to generate optimized policies.

✅ Automated Policy Execution

• Once a policy is finalized, Tejas AI converts it into executable code for their BREs (Business Rule Engines)
• No manual coding, no integration delays—just instant deployment.

✅ Continuous Learning & Optimization

• AI learns from loan performance and market trends to improve recommendations.
• Banks receive ongoing insights and alerts, keeping risk models adaptive and up-to-date.

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Why This Matters

⚡ Faster decisions – from months to minutes
⚡ Eliminates manual work – reducing reliance on large risk teams
⚡ Hyperlocal lending strategies – AI-driven, explainable, and data-backed
⚡ Instant deployment – seamless execution with existing banking systems

We’re bringing AI-powered decisioning to the Indian banking ecosystem—and we’d love to hear your thoughts! 🚀

The Ask – Who We Want to Connect With

We’re looking to connect with Fintechs, NBFCs, Banks, and Financial Leaders who want to transform risk decisioning with AI.

Please introduce us to:

• Risk Managers & Credit Teams
• Financial Institutions

If this sounds like you—or if you know someone who’d benefit—let’s talk!

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