ai-credit-analyst
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Accend
Accend builds human-in-the-loop AI agents that automate commercial credit underwriting for banks and fintechs. The San Francisco startup, founded in 2023 by ex-Brex risk operators, ingests financial documents and tax filings, spreads financial statements, models cash flow, and drafts credit memos - with every AI-generated spread reviewed by human analysts. Customers report application processing times cut by up to 80%, and the company positions itself as a replacement for offshore BPO spreading teams.
Pranjal Daga
Pranjal Daga is the co-founder and CEO of Accend (YC S23), a San Francisco fintech building human-in-the-loop AI agents for commercial credit underwriting and compliance at banks and fintechs. Before Accend he led AI product on the Risk team at Brex, where his work helped prevent roughly $20M in fraud losses, and earlier helped build Cisco Innovation Labs from a single person to a 35-person team. He dropped out of a PhD in AI/ML at Purdue to chase the build, has done research at Adobe and IBM, and is racing to replace slow, manual back-office compliance work with audit-ready AI.