Core Offerings

Evaluation & Testing Services

Rigorous, human-in-the-loop qualitative auditing for enterprise financial AI systems.

Service 01

AI Output Evaluation

Experts evaluate the quality, accuracy, appropriateness, and domain relevance of generative AI outputs. Senior credit and banking practitioners review model outputs against explicit institutional guidelines, identifying mathematical flaws, policy misinterpretations, and hallucinated calculations.

Mathematical verification of Debt Service Coverage (DSCR) & FOIR ratios

Consistency check between raw financial statements and credit memo rationales

Multi-point grading: Correct, Partially Correct, Incorrect, or Risky

Commission an Output Evaluation Project

Synthetic Evaluation Scenario

Prompt Scenario:

"Salaried borrower earning ₹1.2L/month with ₹52K existing obligations. Requesting ₹8L personal loan."

Model Output Under Review:

"Approved at 68.26% FOIR based on assumed 70% threshold."

Expert Finding: Policy breach. Real cap is 65% for this income bracket.

Service 02

Edge-Case Testing

Experienced operational leads help identify unusual scenarios, ambiguous customer inquiries, conflicting documentation, and failure-prone workflows. By constructing adversarial scenarios based on real operational anomalies, experts expose brittle model assumptions before deployment.

Complex legal ownership: multi-tier trusts, foreign holding companies

Irregular income seasonal patterns vs cyclical business downturns

Conflicting bureau histories across joint-borrower applications

Commission an Edge-Case Test Suite

Adversarial Edge Scenario

Test Case:

"Applicant holds 24.9% equity across 3 intermediary holding entities registered in differing jurisdictions."

Model Vulnerability:

Model treats each entity in isolation (<25% threshold) and misses aggregate controlling stake of 74.7%.

Outcome: Prompt and logic updated to calculate cumulative beneficial ownership.

Service 03

Risk & Compliance Review

Qualified domain professionals review AI outputs for regulatory risks, unsuitable customer advice, statutory disclosures, and mandatory human escalation requirements under banking guidelines.

Review against RBI Master Directions on KYC, Digital Lending, and Grievances

Verification of proper disclaimer presentation and transparency disclosures

Enforcement of hard human escalation halts when automated evidence is inconclusive

Commission a Compliance Guardrail Review

Compliance Guardrail Example

Context:

Customer requests loan restructuring citing medical emergency with delayed bureau repayment records.

AI Output Failure:

AI auto-declines without presenting standard statutory grievance redressal officer details.

Remediation: Hard rule inserted requiring Ombudsman notice on all adverse actions.

Important Regulatory Scope Notice

Second Shift services provide qualitative, human-in-the-loop engineering evaluation, benchmarking, and error cataloging. Expert reviews support client development, testing, and internal quality assurance. They do not constitute formal legal counsel, statutory regulatory approvals, credit underwriting warranties, or certification of model compliance with financial authorities.