Author
CEO, BridgeUp Tech
Zeus Dhanbhoora is the CEO of BridgeUp Tech, the company behind Fiscus. He previously co-founded Bacferim Technologies and was an associate at the law firm Bharucha & Partners. He writes the Fiscus credit desk blog on benchmarks, fraud detection and credit underwriting methods.
LinkedInPosts by Zeus Dhanbhoora · 21
[ Infrastructure ] 15 Oct 2026 · 10 min read
The questions everyone is asking about the 1 November AA rate card, answered by stakeholder, including the cost-per-approved-loan arithmetic, why aggregator consolidation now follows, and what is still unanswered.
Zeus DhanbhooraCEO, BridgeUp Tech[ Infrastructure ] 15 Oct 2026 · 9 min read
A standard per-account fee from 1 November, a success-rate floor for banks from 1 December, and RBI interoperability expected by 31 December. What each one changes, the arithmetic lenders should run now, and what none of it fixes.
Zeus DhanbhooraCEO, BridgeUp Tech[ Credit Operations ] 15 Oct 2026 · 9 min read
An unparseable statement becomes a manual review, and manual review at volume is where tampering survives. Why published format counts are a weak metric, what actually makes a format hard, and how to test coverage on your own rejects.
Zeus DhanbhooraCEO, BridgeUp Tech[ Credit Risk ] 15 Oct 2026 · 9 min read
DPD-based vintage curves tell you about originations from three quarters ago, which is how lenders keep writing into a bad vintage. Banking-derived cohort signals readable at month two, and the correlated exposure no bureau will show you.
Zeus DhanbhooraCEO, BridgeUp Tech[ Credit Analysis ] 6 Oct 2026 · 11 min read
CAM full form in banking, the section structure of a credit appraisal memorandum, what belongs in each section, and why the banking conduct section, usually three lines, carries the most reliable information in the file.
Zeus DhanbhooraCEO, BridgeUp Tech[ Compliance ] 6 Oct 2026 · 13 min read
DPDP compliance for lenders, applied to the most revealing document in the file. What the DPDP Rules require by 13 May 2027, why the lender stays liable for what a processor does, the three retention clocks, and seven questions to put to any analysis vendor.
Zeus DhanbhooraCEO, BridgeUp Tech[ Perspective ] 6 Oct 2026 · 9 min read
What a bank statement analyser is, and why the category was named after a problem that has since been solved. Extraction is a commodity, interpretation is where tools diverge, and the data answers questions well past the sanction date.
Zeus DhanbhooraCEO, BridgeUp Tech[ Credit Analysis ] 6 Oct 2026 · 11 min read
Working capital assessment for cash credit and overdraft limits. The turnover, MPBF and cash budget methods all start from figures the borrower supplies. The account shows the observed peak funding need, how long the trough lasts, and whether an existing facility still revolves.
Zeus DhanbhooraCEO, BridgeUp Tech[ Credit Analysis ] 17 Sept 2026 · 11 min read
An annual DSCR of 1.4 can conceal four months below 1.0, and debt service is a monthly obligation. DSCR calculation from banking data rather than financials: what belongs on each side, and why the minimum month beats the average.
Zeus DhanbhooraCEO, BridgeUp Tech[ Credit Analysis ] 17 Sept 2026 · 9 min read
Bank statement analysis for a loan application, in the order it has to be performed: completeness, verification, consolidation, categorisation, income, obligations, conduct and cross-verification, and what a statement cannot tell you.
Zeus DhanbhooraCEO, BridgeUp Tech[ Buyer's Guide ] 17 Sept 2026 · 10 min read
Bank statement analysis software comparison, done properly. Every tool looks excellent on a clean salary statement chosen by the vendor. How to build the test set, score categorisation rather than extraction, and the ten questions that separate tools.
Zeus DhanbhooraCEO, BridgeUp Tech[ Credit Risk ] 17 Sept 2026 · 9 min read
Money moved between a promoter, a group entity and an operating account is not revenue. Related party transactions detection for lenders: identifying the parties, separating genuine trade from circulation, and why net flow is the only figure that counts.
Zeus DhanbhooraCEO, BridgeUp Tech[ Credit Analysis ] 17 Sept 2026 · 10 min read
Bank statement analysis for business loans is not retail logic at a larger scale. Where that logic breaks on self employed and SME accounts, why a failed payment and a returned deposit mean opposite things, and what normal looks like per segment.
Zeus DhanbhooraCEO, BridgeUp Tech[ Infrastructure ] 31 Aug 2026 · 8 min read
AA removes the extraction problem and leaves the interpretation problem entirely intact. Coverage gaps, consent scope traps that block monitoring, the FIP obligation that doubles integration cost, and what structured JSON still cannot tell you.
Zeus DhanbhooraCEO, BridgeUp Tech[ Collections ] 31 Aug 2026 · 7 min read
Two borrowers at 45 DPD can need opposite treatments. How to read capacity and intent from a borrower's bank account, the four-quadrant treatment map, and why presentation timing is the cheapest recovery available.
Zeus DhanbhooraCEO, BridgeUp Tech[ Credit Risk ] 31 Aug 2026 · 8 min read
Standard EWS lists were built for large corporate exposures and lag by a quarter. The signals visible in a borrower's bank account, the order they appear in, and why a single indicator is noise while two together are not.
Zeus DhanbhooraCEO, BridgeUp Tech[ Reference ] 31 Aug 2026 · 9 min read
Every NACH presentation return and reject code, grouped by what it tells you about the borrower. Which codes are credit events, which are your own operational failures, and how to compute a bounce rate that means something.
Zeus DhanbhooraCEO, BridgeUp Tech[ Benchmarks ] 20 Aug 2026 · 8 min read
A head-to-head categorisation test across 200,001 transactions, same raw statements, two tools. 92.8% versus 80.3%, and a breakdown of exactly where the errors fall.
Zeus DhanbhooraCEO, BridgeUp Tech[ Credit Risk ] 20 Aug 2026 · 7 min read
A forged PDF and a dressed account are different problems requiring different checks. The forensic tests, the behavioural signals, and why generic fraud rules fail across borrower segments.
Zeus DhanbhooraCEO, BridgeUp Tech[ Credit Analysis ] 20 Aug 2026 · 7 min read
FOIR explained for lenders — the formula, the three layers worth calculating separately, the income and obligation errors that distort it, and what it means when FOIR says a borrower cannot pay but the account shows they are.
Zeus DhanbhooraCEO, BridgeUp Tech[ Credit Risk ] 20 Aug 2026 · 7 min read
Declared GST turnover and banked receipts should never match. A five-step normalisation method, what the residual actually means in each direction, and why the monthly trend matters more than the level.
Zeus DhanbhooraCEO, BridgeUp TechTest any of this on your own book.
Every method on this blog is reproducible. Run a parallel evaluation on cases your team has already decided.
