{"id":5459,"date":"2026-10-19T08:53:04","date_gmt":"2026-10-19T03:23:04","guid":{"rendered":"https:\/\/gridlines.io\/blogs\/?p=5459"},"modified":"2026-10-22T08:53:25","modified_gmt":"2026-10-22T03:23:25","slug":"video-pd-for-loans","status":"publish","type":"post","link":"https:\/\/gridlines.io\/blogs\/video-pd-for-loans\/","title":{"rendered":"Video PD for Loans: Faster Borrower Assessment and Underwriting"},"content":{"rendered":"<div id=\"ez-toc-container\" class=\"ez-toc-v2_0_62 counter-hierarchy ez-toc-counter ez-toc-grey ez-toc-container-direction\">\n<div class=\"ez-toc-title-container\">\n<p class=\"ez-toc-title \" >Table of Contents<\/p>\n<span class=\"ez-toc-title-toggle\"><a href=\"#\" class=\"ez-toc-pull-right ez-toc-btn ez-toc-btn-xs ez-toc-btn-default ez-toc-toggle\" aria-label=\"Toggle Table of Content\"><span class=\"ez-toc-js-icon-con\"><span class=\"\"><span class=\"eztoc-hide\" style=\"display:none;\">Toggle<\/span><span class=\"ez-toc-icon-toggle-span\"><svg style=\"fill: #999;color:#999\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" class=\"list-377408\" width=\"20px\" height=\"20px\" viewBox=\"0 0 24 24\" fill=\"none\"><path d=\"M6 6H4v2h2V6zm14 0H8v2h12V6zM4 11h2v2H4v-2zm16 0H8v2h12v-2zM4 16h2v2H4v-2zm16 0H8v2h12v-2z\" fill=\"currentColor\"><\/path><\/svg><svg style=\"fill: #999;color:#999\" class=\"arrow-unsorted-368013\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"10px\" height=\"10px\" viewBox=\"0 0 24 24\" version=\"1.2\" baseProfile=\"tiny\"><path d=\"M18.2 9.3l-6.2-6.3-6.2 6.3c-.2.2-.3.4-.3.7s.1.5.3.7c.2.2.4.3.7.3h11c.3 0 .5-.1.7-.3.2-.2.3-.5.3-.7s-.1-.5-.3-.7zM5.8 14.7l6.2 6.3 6.2-6.3c.2-.2.3-.5.3-.7s-.1-.5-.3-.7c-.2-.2-.4-.3-.7-.3h-11c-.3 0-.5.1-.7.3-.2.2-.3.5-.3.7s.1.5.3.7z\"\/><\/svg><\/span><\/span><\/span><\/a><\/span><\/div>\n<nav><ul class='ez-toc-list ez-toc-list-level-1 ' ><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-1\" href=\"https:\/\/gridlines.io\/blogs\/video-pd-for-loans\/#Why_Personal_Discussions_Still_Matter_in_Digital_Lending\" title=\"Why Personal Discussions Still Matter in Digital Lending\">Why Personal Discussions Still Matter in Digital Lending<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-2\" href=\"https:\/\/gridlines.io\/blogs\/video-pd-for-loans\/#What_Is_Video_PD_for_Loans\" title=\"What Is Video PD for Loans?\">What Is Video PD for Loans?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-3\" href=\"https:\/\/gridlines.io\/blogs\/video-pd-for-loans\/#How_Video_PD_Makes_Borrower_Assessments_More_Efficient\" title=\"How Video PD Makes Borrower Assessments More Efficient\">How Video PD Makes Borrower Assessments More Efficient<\/a><ul class='ez-toc-list-level-3' ><li class='ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-4\" href=\"https:\/\/gridlines.io\/blogs\/video-pd-for-loans\/#1_One_Session_for_Multiple_Participants\" title=\"1. One Session for Multiple Participants\">1. One Session for Multiple Participants<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-5\" href=\"https:\/\/gridlines.io\/blogs\/video-pd-for-loans\/#2_Transcription_Across_23_Indian_Languages\" title=\"2. Transcription Across 23 Indian Languages\">2. Transcription Across 23 Indian Languages<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-6\" href=\"https:\/\/gridlines.io\/blogs\/video-pd-for-loans\/#3_AI-Powered_Summaries_for_Credit_Teams\" title=\"3. AI-Powered Summaries for Credit Teams\">3. AI-Powered Summaries for Credit Teams<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-7\" href=\"https:\/\/gridlines.io\/blogs\/video-pd-for-loans\/#4_Recorded_Evidence_and_a_Digital_Audit_Trail\" title=\"4. Recorded Evidence and a Digital Audit Trail\">4. Recorded Evidence and a Digital Audit Trail<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-8\" href=\"https:\/\/gridlines.io\/blogs\/video-pd-for-loans\/#5_Integration_With_Lending_Systems\" title=\"5. Integration With Lending Systems\">5. Integration With Lending Systems<\/a><\/li><\/ul><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-9\" href=\"https:\/\/gridlines.io\/blogs\/video-pd-for-loans\/#Where_Can_Video_PD_Be_Used\" title=\"Where Can Video PD Be Used?\">Where Can Video PD Be Used?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-10\" href=\"https:\/\/gridlines.io\/blogs\/video-pd-for-loans\/#What_Lenders_Should_Consider_Before_Adopting_Video_PD\" title=\"What Lenders Should Consider Before Adopting Video PD\">What Lenders Should Consider Before Adopting Video PD<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-11\" href=\"https:\/\/gridlines.io\/blogs\/video-pd-for-loans\/#Making_Borrower_Discussions_More_Useful_to_Lending_Teams\" title=\"Making Borrower Discussions More Useful to Lending Teams\">Making Borrower Discussions More Useful to Lending Teams<\/a><\/li><\/ul><\/nav><\/div>\n\n<p class=\"wp-block-paragraph\">A loan application can contain financial statements, identity documents, bank records and other supporting information. Yet, for many lending decisions, there is still a need to speak directly with the borrower.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">This conversation can help lenders understand the purpose of the loan, clarify information in the application and develop a better picture of the borrower&#8217;s circumstances. For business loans, it can also provide context about the business, its operations and the intent behind the borrowing.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Traditionally, these discussions have taken place over phone calls or physical meetings, with credit teams recording observations manually. When multiple participants are involved, coordinating schedules and maintaining consistent documentation can become even more difficult.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Video PD for loans offers a way to bring structure to these conversations without requiring every participant to meet in person. By combining remote video sessions with recordings, multilingual transcription and AI-powered summaries, lenders can make borrower discussions easier to review, document and incorporate into their underwriting workflows.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Why_Personal_Discussions_Still_Matter_in_Digital_Lending\"><\/span>Why Personal Discussions Still Matter in Digital Lending<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Personal discussions, commonly referred to as PDs in lending, serve a different purpose from <a href=\"https:\/\/ongrid.in\/blogs\/ai-in-document-verification\/\">document verification<\/a>. Documents provide information about a borrower, but a conversation can help explain the context behind that information.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">A retail borrower may need to clarify the intended use of a loan. A home loan applicant may need to discuss repayment arrangements or provide additional context about the application. In an MSME loan assessment, the lender may want to understand the business model, operational activity and the purpose of the requested credit.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">These conversations can be valuable, but the traditional process has its limitations.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Scheduling physical meetings can delay assessments, particularly when borrowers, co-applicants and guarantors need to participate. Phone-based discussions may be difficult to document consistently, while manual note-taking depends heavily on the person conducting the interview.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Credit and risk teams may also have limited visibility into what was discussed, especially when the assessment is handed over between teams. If a decision needs to be reviewed later, locating the relevant notes or reconstructing the conversation can take additional effort.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">The challenge is not the discussion itself. It is ensuring that the discussion is conducted efficiently and that the information gathered remains accessible, consistent and useful to the people making lending decisions.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"What_Is_Video_PD_for_Loans\"><\/span>What Is Video PD for Loans?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Video PD is a remote process that allows lenders to conduct borrower assessments through a video session rather than relying exclusively on physical meetings.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">A well-designed workflow can bring the borrower, co-applicant and guarantor together in a single session. The conversation can be recorded, transcribed and summarised, creating a structured record for credit and underwriting teams.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">The objective is to make borrower discussions easier to conduct and review while reducing the manual work involved in documenting them.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">This is particularly relevant for lenders operating across multiple locations, handling large application volumes or managing assessments that require input from several participants.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Video PD does not replace the lender&#8217;s credit assessment or eliminate the need for supporting documents. Instead, it provides a more organised way to capture the information gathered during a personal discussion and make it available within the broader lending process.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"How_Video_PD_Makes_Borrower_Assessments_More_Efficient\"><\/span>How Video PD Makes Borrower Assessments More Efficient<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"1_One_Session_for_Multiple_Participants\"><\/span>1. One Session for Multiple Participants<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Borrower assessments sometimes require more than one person to participate. A co-applicant may need to clarify financial responsibilities, while a guarantor may need to discuss their role in the proposed borrowing arrangement.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Coordinating separate conversations can increase the time required to complete the assessment.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">A multi-participant Video PD session allows the borrower, co-applicant and guarantor to join the same discussion. This creates an opportunity to address relevant questions together and maintain a consolidated record of the conversation.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">The approach can reduce scheduling effort and make it easier for credit teams to review the discussion in context.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"2_Transcription_Across_23_Indian_Languages\"><\/span>2. Transcription Across 23 Indian Languages<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Language can affect the quality of a borrower discussion, particularly when customers are more comfortable communicating in a regional language than in English.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">A multilingual Video PD workflow can generate transcripts in the original language and provide an English translation. This supports more consistent review by credit and underwriting teams working across different regions.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Retaining the original-language transcript is important because a translation may not fully capture every expression or nuance. Where a statement is material to a lending decision, teams should be able to refer to the original conversation and verify the translated text.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">The availability of transcription across 23 Indian languages can help make borrower discussions more accessible to teams without requiring every conversation to be conducted in English.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"3_AI-Powered_Summaries_for_Credit_Teams\"><\/span>3. AI-Powered Summaries for Credit Teams<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">A recorded conversation may contain useful information, but reviewing an entire session for every application can be time-consuming.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">AI-powered summaries help address this by converting the discussion into a structured overview tailored to the relevant journey. Instead of relying solely on manually prepared notes, reviewers can use the summary to identify key discussion points and understand the context of the conversation.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Journey-specific summaries can be particularly useful because a retail loan assessment may focus on different questions from an MSME or pre-disbursement discussion.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">However, AI-generated summaries should support rather than replace human review. Material statements, missing context and potentially inaccurate transcriptions should be checked before they influence a credit decision.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"4_Recorded_Evidence_and_a_Digital_Audit_Trail\"><\/span>4. Recorded Evidence and a Digital Audit Trail<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Documentation is an important part of the lending process. Credit teams may need to revisit a conversation, understand how a particular point was discussed or review the information available at the time of assessment.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">A digital Video PD workflow can retain recordings, transcripts and summaries as a structured evidence trail, subject to applicable consent, access-control, retention and data-protection requirements.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">This can support internal reviews, compliance processes and dispute resolution by making the underlying discussion easier to retrieve.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">A recorded session does not automatically establish compliance or guarantee that every assessment is adequately documented. Lenders still need clear procedures for recording, storing, accessing and reviewing the evidence.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"5_Integration_With_Lending_Systems\"><\/span>5. Integration With Lending Systems<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Borrower discussions are most useful when the resulting information reaches the teams and systems responsible for the next step.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">API integration with loan origination systems (LOS) and loan management systems (LMS) can help transfer session data into downstream lending workflows.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">This reduces dependence on manual downloads, repeated data entry and disconnected documentation. It can also help teams access relevant session records as part of the existing application or loan process.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">The precise data shared and the point at which it becomes available will depend on the integration and the lender&#8217;s workflow requirements.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Where_Can_Video_PD_Be_Used\"><\/span>Where Can Video PD Be Used?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">The value of <a href=\"https:\/\/gridlines.io\/blogs\/video-pd-vs-video-kyc\/\">Video PD<\/a> extends across several lending scenarios, although the questions asked and the information reviewed will differ by product.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Retail and home loans: Remote discussions can help teams clarify borrower information, understand the purpose of the loan and support borrower profiling during assessment.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">MSME and business loans: Conversations can provide context about business operations, borrowing intent and information that may not be apparent from submitted financial documents alone.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">High-value personal loans: Structured discussions can support additional assessment and fraud-prevention checks before disbursement, where required by the lender&#8217;s risk policy.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Pre-disbursement checks: Lenders can conduct a documented discussion before releasing funds when the lending workflow calls for further clarification or confirmation.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Collections and restructuring: Recorded conversations can help document discussions relating to repayment arrangements, settlement proposals and restructuring. Appropriate access and retention controls remain essential, particularly when sensitive financial information is involved.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Across these use cases, the aim is to make conversations easier to conduct, document and review without treating video assessment as a substitute for other necessary credit checks.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"What_Lenders_Should_Consider_Before_Adopting_Video_PD\"><\/span>What Lenders Should Consider Before Adopting Video PD<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">The effectiveness of a Video PD process depends on more than the technology used to conduct the call.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Lenders should define the purpose of the discussion, standardise relevant questions where appropriate and establish how the information captured will be used. Recording and transcription practices should be transparent, with appropriate consent and safeguards for personal and financial information.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">They should also consider the accuracy of multilingual transcription, the reliability of AI-generated summaries and the process for correcting errors. Reviewers need access to the original evidence when a summary does not provide sufficient context.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Finally, the workflow should fit naturally into the lender&#8217;s existing systems. A process that generates useful records but requires teams to manage them manually may simply move the operational bottleneck to another stage.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Making_Borrower_Discussions_More_Useful_to_Lending_Teams\"><\/span>Making Borrower Discussions More Useful to Lending Teams<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">As lending workflows become increasingly digital, personal discussions remain an important source of context for credit assessment. The opportunity is to make these conversations more structured and their outcomes easier to use.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Video PD for loans brings together remote multi-participant sessions, transcription in 23 Indian languages, English translation, AI-powered summaries, recorded evidence and LOS\/LMS integration.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">For lenders, these capabilities can reduce scheduling and documentation effort while giving credit and underwriting teams better access to the information gathered during borrower discussions.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">The objective is not simply to conduct a personal discussion over video. It is to ensure that the conversation becomes a documented, accessible and useful part of the lending journey.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Faster assessments begin with better conversations\u2014and better systems for capturing what matters.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>A loan application can contain financial statements, identity documents, bank records and other supporting information. Yet, for many lending decisions,&#8230; <\/p>\n","protected":false},"author":8,"featured_media":5460,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[53],"tags":[],"class_list":["post-5459","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-bfsi"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v21.8 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Video PD for Loans: Faster Borrower Assessment and Underwriting<\/title>\n<meta name=\"description\" content=\"Accelerate underwriting with Video PD for loans. 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