SME Credit Assessment Solutions by FutureIQ AI Innovations
FutureIQ started with a simple observation: the businesses that drive economies are the hardest to assess.
SMEs create the most jobs, the most innovation, and the most growth. Yet traditional credit infrastructure wasn't built for them. Bureau scores ignore their cash flow reality. Financial statement models demand data they don't have.
We believe there's a better way. One that uses the rich digital signals SMEs already generate. One that respects the judgment of experienced underwriters. One that regulators can understand and trust.
We're early. But we're serious.
FutureIQ is currently in the design and validation phase. We're talking to lenders, risk officers, and credit analysts to understand what they actually need.
If you're rethinking your SME credit strategy, we'd love to learn from you.
Who We Are
Vinit Kumar Mishra
Founder, FutureIQ AI Innovations
Vinit Kumar Mishra is the founder of FutureIQ. He holds a B.Tech from IIT Bombay and a Ph.D. in Management from the National University of Singapore, where his research on decision modeling was published in Management Science.
Over the past 15 years, Vinit has built enterprise AI capabilities from the ground up — first as a Research Scientist at IBM, then leading global pricing analytics at AB InBev, and later establishing UPS's APAC data science function across 13 markets. His work spans predictive analytics, operations research, GenAI, and Industrial IoT.
More recently, Vinit has advised BFSI institutions including Axis Bank, Axis Securities, and Motilal Oswal on enterprise LLM deployment, RAG architecture, and AI-driven workflow automation — giving him direct insight into how risk committees, regulators, and underwriters think about credit decisions.
FutureIQ is the product of that experience: a platform built by someone who understands both the power of AI and the accountability required in lending.
