Consumer Goods – Fraud Prevention in EMI Schemes

Challenge

Leading electronics brand offering affordability-based financing (e.g., no-cost EMI) across thousands of outlets was facing significant financial leakage. Retailers were claiming incentives on unauthorized products. Manual checks couldn’t scale with transaction volumes, and fraudulent claims eroded margins and trust across the retail network.

CORESight in Action

Query: “From the last 6 months of claims/sales data, flag retailers claiming EMI payouts on unauthorized products. Rank by risk score. Show claim-to-sales ratio spikes by region.”

CORESight Workflow

• Extractor Agent ingests sales, claims, and retailer master data.
• Validator Agent maps claimed schemes to approved retailer-product combinations
• Analyser Agent runs anomaly detection using Isolation Forest and tree-based models.
• Risk Agent profiles retailers based on past behavior, volume spikes, and scheme violations.
• Business Agent delivers
  • 47 retailers flagged for scheme misrepresentation
  • 12% spike in claim-to-sales ratio in Tier-2 regions
  • 8 high-risk partners prioritized for audit

Customer Impact

• Up to ₹6 Cr Saved — Prevented invalid claim payouts
• 4X Faster Audits — AI-driven prioritization of high-risk retailer
• 100% Rule Validation — Across all claims, not just samples
• Improved Partner Governance — Real-time alerts and dashboards
• Self-Learning System — Accuracy improved with feedback loops

CORESight Advantage

CORESight transforms affordability-linked sales and claims data into real-time fraud intelligence. From anomaly detection to risk profiling, it empowers finance and ops teams to act faster, protect margins, and ensure compliance — all without writing a single rule.