smartbureau.si

Read the whole bureau report.

Bureau.SI is a compact transformer model that learns from complete credit bureau data and powers your lending decisions from one model.

Book a proof-of-concept
Payment history · Days past due · 24 monthsEvery month read, none dropped
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Traditional scorecards shrink this to a few features. Bureau.SI reads every month of every account.
How it works

Three layers, one model.

Input

  • CIBIL
  • CRIF High Mark
  • Equifax
  • Experian

Bureau Super Intelligence

  • Proprietary tokenizerTurns the bureau JSON into tokens
  • Foundational transformerPre-trained, tuned to your book

Output

  • Product recommender
  • Application score
  • Default prediction
  • LTV and fraud
  • Customer segments
Why Bureau.SI

More signal, less infrastructure.

100%

The full bureau JSON

No hand-picked features. The model learns from every account, enquiry and payment record.

1 → N

Learns across lenders

Transfer learning adapts the model to your portfolio with a small sample of your data.

~1M

Parameters, built for speed

Scores fast on a standard CPU. A GPU is optional.

On-device

Runs on mobile

Deploy inside your app, and retrain it on a MacBook.

Get started

See it on your own data.

We benchmark Bureau.SI against your current scorecard before you commit.

sarabjitrangi@gmail.com