Every credit memo
checked against your policy before committee.
Pascal spreads borrower financials, tests them against your credit policy and drafts the memo for committee. Relationship managers, credit risk and regulatory reporting work from the same loan file.
Heron renewal · credit memo.docx
Credit template
Section 3 · Financial analysis
Project Heron: ₹85 cr working-capital renewal
Revenue grew 14% to ₹642 cr in FY26, in line with GST returns for the same period.
₹ cr · illustrative
| FY24 | FY25 | FY26 | |
|---|---|---|---|
| Revenue | 498 | 563 | 642 |
| EBITDA margin | 8.1% | 8.6% | 9.0% |
| Working-capital days | 96 | 104 | 118 |
Policy check · Credit policy v12
13 of 14 rules passed
Exception: working-capital cycle of 118 days against the 110-day limit for distributors.
Built for lenders who answer to credit committee and the regulator.
Pascal spreads borrower financials, tests them against your credit policy and drafts the memo for committee. Relationship managers, credit risk and regulatory reporting work from the same loan file.
Lending, risk and operations. One loan file.
Project Kestrel · ₹220 cr facilities
Capabilities
Where lenders start with Pascal.
Front office
Credit underwriting
Borrower financials spread, bank statements tied to reported revenue and policy checks run, then a cited memo for committee.
Front office
Relationship manager briefs
A one-page client brief before each meeting, from CRM notes, the latest filings and news, and limits due for renewal.
Middle office
Credit risk review and covenant monitoring
Compliance certificates and borrower accounts tested against each facility's covenants, with headroom tracked across the book.
Middle office
KYC and CDD file review
Each document in a KYC file classified and checked against your CDD policy, with gaps and screening hits listed for the reviewer.
Back office
Regulatory returns
Returns built from core banking and ledger extracts, reconciled line by line, with each variance explained in last quarter's approved wording.
Back office
Loan documentation and legal
Facility agreements, security documents and sanction letters checked against the approved terms, each mismatch cited to its clause.
One platform. Every team.
See the platformCustomer success story
How a leading APAC asset manager turned proprietary knowledge into a living asset
Broker reports, internal research, email and dashboards became one body of context, answerable in minutes and kept inside the firm's own infrastructure.
$100B+ asset manager
Frequently asked questions
In the front office, lenders use AI to draft credit memos and prepare relationship managers for client meetings. In the middle office, it reviews credit risk, tests covenants across the loan book and checks KYC files. In the back office, it builds regulatory returns, checks loan documents against sanction terms and supports legal review. Pascal runs all three on one context graph, with every figure linked to its source.