Poonawalla Fincorp expands AI-driven transformation with five new deployments in HR, governance, and compliance

Poonawalla Fincorp Limited (PFL), a Cyrus Poonawalla Group-backed NBFC specialising in consumer and MSME lending, announced today the rollout of five new AI-driven solutions as part of its comprehensive digital transformation with a focus on risk management.

These include an Early Warning System (EWS) for workforce risk, a Travel Bot to support operational mobility, RegIntel for compliance insights, an ER Governance Tool for managing employee relations, and AI-powered Suspicious Transaction Reporting (STR) to improve financial crime compliance.

Together, these solutions incorporate AI into PFL’s core operations, moving beyond automation to develop intelligent, scalable, and compliance-ready systems. By shifting from reactive to predictive and prescriptive approaches, PFL is building a digitally confident, governance-driven, and future-ready NBFC.

Arvind Kapil, Managing Director & CEO of Poonawalla Fincorp, said, “We at Poonawalla Fincorp, now with 45 AI projects on the table, are reimagining how our organisation operates by integrating intelligence into every part of our ecosystem.”

“Be it providing real-time regulatory clarity, improving the accuracy of compliance reporting, predicting and preventing attrition, strengthening employee governance, or simplifying travel operations, each of these AI-led solutions is designed to make us more agile, transparent, and future-ready.”

“The depth of AI projects across different and diverse departments within the company, we believe, makes it an industry-first approach, with a couple of them being game changers. This also marks an important step in our journey to build a trusted, technology-driven enterprise that empowers our people and elevates how we work.”

Suspicious Transaction Reporting (STR): An AI/ML-powered system to strengthen Anti-Money Laundering (AML) compliance. Traditional monitoring often generates many false alerts, flagging routine transactions as suspicious. The new system reduces these false positives and concentrates on genuinely risky behaviour. This boosts compliance team efficiency, improves reporting accuracy, and ensures timely, reliable submissions to regulators, per the press release.

RegIntel: An AI-powered compliance assistant that automatically handles employee questions about internal policies and regulatory frameworks. With contextual policy mapping, adaptive logic that updates with new regulations, and instant summaries, RegIntel promotes governance, lowers reliance on manual interpretation, and provides real-time compliance insights.

Early Warning System (EWS): An AI/ML-powered system that uses stacked ensemble models, combining deep neural networks and tree-based algorithms, to predict attrition risk across the active workforce. By identifying not just who is at risk but also why, EWS enables HR to shift from reactive exits to proactive, data-driven retention strategies aligned with organisational goals and compliance standards, per the press release.

Employee Relations (ER) Governance Tool: A database-driven AI system designed to oversee employee relations cases. It utilizes historical case data, internal policies, and contextual details to provide AI-based recommendations, predictive escalation pathways, and audit-ready reports, ensuring fair, transparent, and consistent ER management.

Travel bot: An AI-enabled travel orchestration system integrated with Microsoft Teams, designed to automate and streamline cab bookings and travel communications. It reduces manual intervention, maintains a centralised travel database, and ensures policy-aligned transparency with features such as real-time booking triggers and audit-ready documentation, per the press release.