No Credit History? AI Could Still Get You A Loan | CXO Connect | Santosh Agarwal

| May 16, 2026, 12:05:35 AM | TOI.in
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In an exclusive conversation with our Group Business Head Prasad Sanyal, the CEO Of paisabazaar. com Santosh Agarwal - who is a leading voice in digital lending and fintech, revealed how artificial intelligence is transforming the loan approval process for first-time earners and young professionals. Agarwal explains how AI-driven assessments are helping lenders go beyond traditional credit scores to evaluate new borrowers with limited financial history. From faster approvals to smarter risk analysis, the discussion highlights how technology is reshaping access to credit for India’s growing workforce and making formal lending more accessible to a new generation of consumers. Watch.

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