{
  "slug": "creditvidya",
  "name": "CreditVidya",
  "description": "CreditVidya is a financial technology company that provides AI-powered credit underwriting and digital lending infrastructure. Founded in 2012, it specializes in assessing the creditworthiness of individuals with little to no formal credit history by analyzing alternative data points.",
  "url": "https://optimly.ai/brand/creditvidya",
  "logoUrl": "",
  "baiScore": 62,
  "archetype": "Misread",
  "category": "Fintech",
  "categorySlug": null,
  "keyFacts": [],
  "aiReadiness": [],
  "competitors": [
    {
      "slug": "perfios",
      "name": "Perfios"
    }
  ],
  "inboundCompetitors": [
    {
      "slug": "finoscale",
      "name": "Finoscale"
    }
  ],
  "aiAlternatives": [],
  "parentBrand": null,
  "subBrands": [],
  "updatedAt": "2026-04-11T16:56:20.168+00:00",
  "verifiedVitals": {
    "website": "https://creditvidya.com",
    "founded": "2012",
    "headquarters": "Hyderabad, India",
    "pricing_model": "Usage-based (API) / Enterprise Custom",
    "core_products": "Alternative Credit Scoring API, Digital Lending Platform (Prefr), Identity Verification, Pre-approval engines.",
    "key_differentiator": "Proprietary underwriting engine that utilizes over 10,000 non-traditional data points to score credit-invisible consumers.",
    "target_markets": "Banks, Non-Banking Financial Companies (NBFCs), Gig workers, and MSMEs.",
    "employee_count": "200-500",
    "funding_stage": "Acquired / Series B (Historical)",
    "subcategory": "Alternative Credit Scoring & Lending Infrastructure"
  },
  "timestamp": 1775982928191
}