Ashutosh Singh, CFO & Head of Products, Novel Patterns, received the award at the ET Enterprise AI Awards 2026 for the company’s application of agentic AI to complex lending decisions through DecisionOS, its decision intelligence platform for financial institutions.
DecisionOS connects financial evidence, policy, reasoning and workflow to help AI move beyond task automation and participate intelligently across the lending lifecycle. Novel Patterns’ solutions are currently live with 140+ financial institutions across India, Africa and Southeast Asia.
Ashwani Arora, CEO, Novel Patterns, said, “Banks and NBFCs don’t adopt AI simply because it is fast. They adopt it when it can improve decision capacity while remaining accurate, explainable and defensible in front of a regulator, an auditor and a credit committee. We built DecisionOS around a simple discipline: AI reasons on evidence, operates within policy, and every output carries a traceable record of how it got there.”
DecisionOS provides intelligence across multiple stages of the lending lifecycle. Its CRM Intelligence captures, qualifies and intelligently routes every lead, while Journey Intelligence enables onboarding journeys to dynamically adapt to customer context. Credit Intelligence transforms bank statements, financial statements, bureau, tax and salary data into a decision-ready view, with reasoning attached.
The platform’s Document Intelligence classifies, extracts and checks documents for inconsistencies and potential tampering. Policy Intelligence converts policy intent and circulars into executable, versioned and simulated rules. Post-Disbursal Intelligence monitors financial and behavioural signals to identify emerging borrower stress before missed payments become the first signal.
DecisionOS also includes Incentive Intelligence, which orchestrates payouts and reconciliation across channels, and Collateral Management Intelligence, which monitors asset value, ownership and exposure throughout the loan lifecycle. Partner Portal Intelligence enables partner ecosystems to be onboarded, allocated and monitored through a common intelligence layer, alongside many more intelligence capabilities across the financial lifecycle.
Together, these capabilities connect customer context, financial evidence, policy, reasoning and workflow into a common decision fabric.
The intelligence behind DecisionOS is purpose-built for financial decision-making rather than generic AI. The platform is designed around a multi-layer trust architecture incorporating source-grounded processing, policy and rule validation, cross-document reconciliation, confidence scoring and human-in-the-loop review for exceptions.
DecisionOS analyses more than 400 financial and behavioural indicators and brings more than 1,000 behavioural risk signals into credit assessment. Proprietary financial ontologies provide the domain context required to interpret relationships across different sources of financial information.
The platform combines this intelligence with policy and workflow, helping institutions understand what the evidence means, which policy applies, why a recommendation was generated and what needs to happen next.
For Novel Patterns, the award marks a milestone in its larger ambition to build a connected intelligence layer for financial decision-making. The objective is not to replace human judgement, but to let AI handle more of the complexity while people retain authority where judgement matters, with consequential decisions remaining explainable and auditable.
Novel Patterns is an AI-native financial intelligence company building intelligent decision infrastructure for financial institutions. Its platforms combine financial domain intelligence, AI reasoning, decision orchestration and governance across lending and investment management. Novel Patterns’ solutions are used by 140+ financial institutions across India, Africa and Southeast Asia.
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