Analysis · Financial Services

Founder inspired by father's loan struggle to build AI for fair credit

By Startup Enthusiast · 28 January 2026

What they do

Timble AI builds AI agents that help banks detect fraud and identify genuine borrowers lacking traditional credit history

The company processes around 40 lakh API calls monthly for over 100 banks and NBFCs

It completed a seed round backed by friends and family and is preparing to raise Series A funding in 2026

Timble AI provides AI agents designed to help banks and financial institutions detect and mitigate fraud.
The startup helps identify fraudulent behavior while recognizing genuine borrowers who lack traditional credit history or documents.
It does not make lending decisions itself but focuses on providing risk understanding tools to its clients.
The company has built a client base of over 100 banks and NBFCs since its inception.
Timble AI processes around 40 lakh API calls every month to support its financial institution clients.
The team consists of 60 members, with the majority being engineers including professionals with prior banking experience.
Founder Dhananjay Goel returned to India in late 2023 after working on AI solutions for government departments.
The company is currently preparing to raise a Series A round in 2026 after completing its seed stage.

The startup aims to ensure equitable access to financial services rather than just equal access for all.
Timble AI won the Eureka GCC Award in Dubai in May 2025 for its technological contributions.
It was named the Fintech Scale-Up of the Year at the IFTA awards in December 2025.
The company received the National Startup Award in the fintech category from the Government of India.

Timble AI develops artificial intelligence agents specifically tailored for banks and financial institutions.
Its primary product focus is on detecting fraud and mitigating risks for its institutional clients.
The platform identifies fraudulent behavior patterns to protect banks from financial losses and security breaches.
It also recognizes genuine borrowers who may lack traditional documentation or established credit histories.
The company does not engage in direct lending but provides risk understanding tools to partner banks.
Product design includes human oversight and policy safeguards to ensure responsible AI usage in critical cases.
Humans remain in the loop during critical use cases to maintain trust and operational feasibility.
The strategy involves solving urgent problems first to build trust within the financial sector.
The team leverages internal politics and financial impact analysis to drive institutional change among clients.

Timble AI plans to raise a Series A round in 2026 to expand its operations.
The company intends to continue focusing on urgent problems to build trust with financial institutions.