Prospect Assist AI · Retail Lending Lead Engine

Transaction + behavioural intelligence → qualified leads with verified repayment capacity
IDBI Innovate 2026 · Track 02
Synthetic base · 25,000 customers
Exported-lead conversion
49.5%
daily call list (top 200) — target >30% met
Lift vs untargeted
11.9×
base rate 4.2% · top decile 26.0%
Propensity AUC
0.808
held-out test, n=7,500
Income estimate ±20%
91%
MAPE 8.0% vs actual — prudent underwriting input
Problem: retail lending relies on traditional metrics — low conversions, no view of customer intent or true repayment capacity. Prospect Assist AI mines salary-credit regularity, UPI spend patterns, app engagement (EMI-calculator usage, loan-page dwell), rent/education payment signals and relationship depth to rank every customer by conversion propensity and estimate their actual income — so RMs call the right customer with the right product: Personal, Home, Mortgage or Auto Loan.

Conversion by propensity decile

Decile 1: 26.0% conversionD126%Decile 2: 2.3% conversionD22%Decile 3: 2.0% conversionD3Decile 4: 2.0% conversionD4Decile 5: 1.5% conversionD5Decile 6: 2.1% conversionD6Decile 7: 2.0% conversionD7Decile 8: 1.5% conversionD8Decile 9: 1.7% conversionD9Decile 10: 0.5% conversionD10spray-and-pray base rate 4.2%Conversion rate by propensity decile (D1 = hottest leads)

How it prudently underwrites

Signal familyFeeds
Salary credits & balance behaviour (AA feed)Income estimation
UPI txn count & spend ratioIncome + intent
App events: EMI-calc visits, loan-page dwellIntent
Rent / education-fee payment flagsProduct match
Bounces & relationship depthRisk gating
Income model trained only on verified-salary customers, then generalised — estimates within ±20% of actuals for 91% of the test base (MAPE 8.0%).

Today's ranked call list (top 25 of 200 exported)

#CustomerPropensityEst. incomeRecommended productWhy (top signals)
1CUST-2004140.84₹104,000/mAuto LoanEMI-calc usage · loan-page dwell · regular salary credit
2CUST-2053430.84₹107,000/mHome LoanEMI-calc usage · loan-page dwell · regular salary credit
3CUST-2055580.83₹153,000/mPersonal Loan (Education top-up)EMI-calc usage · loan-page dwell · regular salary credit
4CUST-2047860.83₹48,000/mPersonal LoanEMI-calc usage · loan-page dwell · regular salary credit
5CUST-2020270.83₹33,000/mPersonal LoanEMI-calc usage · loan-page dwell · regular salary credit
6CUST-2026950.82₹49,000/mMortgage / LAPEMI-calc usage · loan-page dwell · regular salary credit
7CUST-2011760.82₹44,000/mPersonal LoanEMI-calc usage · loan-page dwell · regular salary credit
8CUST-2021760.81₹52,000/mPersonal Loan (Education top-up)EMI-calc usage · loan-page dwell · regular salary credit
9CUST-2060950.81₹148,000/mAuto LoanEMI-calc usage · loan-page dwell · regular salary credit
10CUST-2038630.80₹62,000/mPersonal LoanEMI-calc usage · loan-page dwell · regular salary credit
11CUST-2044080.80₹43,000/mMortgage / LAPEMI-calc usage · loan-page dwell · regular salary credit
12CUST-2043850.80₹35,000/mPersonal LoanEMI-calc usage · loan-page dwell · regular salary credit
13CUST-2004000.80₹44,000/mPersonal LoanEMI-calc usage · loan-page dwell · regular salary credit
14CUST-2066890.80₹49,000/mPersonal LoanEMI-calc usage · loan-page dwell · regular salary credit
15CUST-2013080.80₹58,000/mPersonal LoanEMI-calc usage · loan-page dwell · regular salary credit
16CUST-2031150.80₹34,000/mMortgage / LAPEMI-calc usage · loan-page dwell · regular salary credit
17CUST-2061360.79₹38,000/mPersonal LoanEMI-calc usage · loan-page dwell · regular salary credit
18CUST-2040030.79₹80,000/mPersonal LoanEMI-calc usage · loan-page dwell · regular salary credit
19CUST-2046500.78₹59,000/mPersonal LoanEMI-calc usage · loan-page dwell · regular salary credit
20CUST-2038820.78₹47,000/mPersonal LoanEMI-calc usage · loan-page dwell · regular salary credit
21CUST-2014430.78₹61,000/mPersonal LoanEMI-calc usage · loan-page dwell · regular salary credit
22CUST-2016660.78₹38,000/mPersonal LoanEMI-calc usage · loan-page dwell · regular salary credit
23CUST-2019360.78₹107,000/mHome LoanEMI-calc usage · regular salary credit · rent payments
24CUST-2007200.78₹65,000/mHome LoanEMI-calc usage · loan-page dwell · regular salary credit
25CUST-2014830.78₹49,000/mMortgage / LAPEMI-calc usage · loan-page dwell · regular salary credit

Prospect Assist AI prototype for IDBI Innovate 2026 · All data synthetic (generated by score_leads.py) · Reproducible: python score_leads.py