Tejas AI is an AI-powered credit and risk decisioning platform built to help credit and risk teams optimize strategies, enhance decision workflows, and deploy autonomous agents for improved risk management and profitability. You can learn more on the Tejas AI website.
The platform streamlines the entire policy lifecycle for financial institutions, from policy creation to implementation, using AI-driven analysis to generate actionable insights. Tejas AI enables banks and lenders to turn vast amounts of historical data into profitable credit decisions—helping to reduce defaults, increase profitability, and scale credit decisioning processes across multiple geographies. Its capabilities cover the full spectrum of decisioning, including marketing, onboarding, underwriting, and collections.
How Was Tejas AI Started?
Tejas AI was co-founded by Bhavesh Tolia (CTO) and Gaurav Luhariwala (CEO), both of whom have extensive experience building data-driven and enterprise AI solutions for major banking and financial services (BFSI) companies in India and globally. Their expertise shapes Tejas AI’s focus on delivering next-generation automation and intelligence to credit and risk teams. You can connect with Bhavesh Tolia and Gaurav Luhariwala on LinkedIn.
What Makes Tejas AI Different?
Tejas AI stands out by offering:
- End-to-end AI-powered policy lifecycle management.
- Hyperlocal, actionable insights tailored to specific markets or regions.
- Scalability across different geographies and business lines.
- Autonomous agents that accelerate and automate decision-making for credit and risk teams.
- The ability to turn complex, historical data into clear, profitable policy decisions.
Who Uses Tejas AI?
Tejas AI primarily serves banks and lending institutions looking to modernize and automate their credit and risk decision processes. Its platform is especially valuable for organizations aiming to boost operational efficiency, minimize defaults, and drive growth through data-driven decisioning.
Recent News and Recognition
Tejas AI was selected for the Y Combinator Winter 2025 batch, highlighting the company's rapid growth and potential in the financial technology sector. The company’s vision is to enable banks, especially in markets like India, to make smarter, faster, and easier credit decisions with the help of AI-driven automation.
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