AI-Powered Credit Scoring & Risk Management

Transform your lending operations with our intelligent agent framework for faster decisions, lower defaults, and enhanced compliance.

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Risk Score Dashboard

Risk Score

87

Low Risk

12% improvement

Loan Approval

68%

Approval Rate

+12% this month

Delinquency Rate

3.2% of loan portfolio

Fraud Detection

99.3% accuracy rate

Trusted by Financial Leaders

Powering risk decisions for credit unions, banks, and lenders worldwide

BANK ONE
CREDIT CO.
LEND FAST
ASSET MGR
UNION BANK

Real-Time Performance Metrics

Comprehensive KPIs to monitor and optimize your lending operations

Approval Rate

68.4% +12.3%
Previous: 56.1% Target: 70%

Default Rate

3.2% -42%
Previous: 5.5% Target: 2.5%

Processing Time

2.4 minutes -68%
Previous: 7.5 min Target: 2 min

Fraud Detection

99.3% +2.1%
Previous: 97.2% Target: 99.5%

Customer Satisfaction

92% +14%
Previous: 78% Target: 95%

Compliance Score

98.7% +3.2%
Previous: 95.5% Target: 99%

Portfolio Growth

24.8% +7.3%
Previous: 17.5% Target: 30%

AI-Powered Workflow

Our intelligent workflow automates the entire lending process from application to approval, reducing processing time by 68%

Data Ingestion & Processing Pipeline

Bank Statements
Identity Documents
Credit Bureau Data
Transaction History
Application Forms
External APIs

Data Collection

Automated gathering of customer data from multiple sources including documents, APIs, and third-party services.

Documents APIs Banking Data

Data Processing

Cleaning, normalizing, and enriching data through AI algorithms to prepare for analysis and decision-making.

ML Models Data Cleaning Enrichment

Data Analysis

Advanced analytics to extract insights, identify patterns, and generate risk profiles from processed data.

AI Analysis Pattern Recognition Insights

End-to-End Loan Processing Workflow

Data Ingestion

Collecting customer data from multiple sources

APIs Documents

Data Processing

Cleaning and normalizing data for analysis

ML Models AI

Validation

Verifying identity and document authenticity

KYC Fraud Check

AI Credit Scoring

Calculating risk profile and affordability

Risk Analysis Scoring

Loan Approval

Final decision and terms determination

Decisioning Underwriting
-68%

Processing Time

+28%

Approval Rate

-42%

Default Rate

93%

Fraud Detection

Faster Decisions

Reduce loan processing time from days to minutes with automated workflows and real-time data analysis.

  • 68% faster loan processing
  • Real-time credit decisions
  • Automated document validation

Better Risk Management

Improve loan quality and reduce defaults with AI-powered risk assessment and continuous portfolio monitoring.

  • 42% reduction in defaults
  • Loan book rescoring
  • Early warning indicators

Enhanced Compliance

Stay compliant with regulatory requirements through automated KYC, fraud detection, and audit trails.

  • 93% fraud detection accuracy
  • Automated compliance checks
  • Complete audit trails

Agent Framework

Our intelligent agents work together to automate every aspect of the lending process

KYC Onboarding
Agent
Fraud Detection
Agent
Document Validation
Agent
Affordability
Agent
Compliance
Agent
Underwriting
Agent

KYC Onboarding Agent

Identity verification & compliance

Automates customer identity verification, document validation, and regulatory compliance checks.

Accuracy: 99.2%

Affordability Agent

Income & expense analysis

Analyzes customer financial data to determine loan affordability and appropriate lending limits.

Accuracy: 97.8%

Underwriting Agent

Risk assessment & loan decisioning

Makes data-driven loan approval decisions based on comprehensive risk assessment and scoring.

Accuracy: 96.5%
Explore All Agents

AI Credit Scoring

Our advanced AI models analyze hundreds of risk factors to provide accurate credit scoring and risk assessment.

Risk Factors Analysis

Payment History
Credit Utilization
Income Stability
Debt-to-Income Ratio
Credit History Length

Risk Results

87/100

Credit Score

3.2%

Default Risk

$12,500

Recommended Limit

8.4%

Interest Rate

Learn More About AI Scoring

Loan Book Analysis

Jan Feb Mar Apr May Jun
Low Risk
Medium Risk
High Risk

Portfolio Health

A+

Excellent

Top 10% of lenders

Risk Distribution

68% 24% 8%

Delinquency Rate

3.2% -1.8% YoY

Loan Quality

87/100 +12 pts YoY

Results That Drive Business Growth

Our platform delivers measurable improvements across all key performance indicators

Operational Efficiency

Processing Time -68%
Manual Reviews -82%
Document Processing -75%
Average Improvement 75%

Risk Management

Default Rate -42%
Delinquency Rate -38%
Early Warning Accuracy +65%
Average Improvement 48%

Business Growth

Approval Rate +28%
Customer Satisfaction +32%
Portfolio Growth +24%
Average Improvement 28%

Results By Customer Segment

Banks

Processing Time -72%
Default Rate -45%
Compliance Score +38%
ROI 312%

Credit Unions

Processing Time -68%
Default Rate -42%
Member Satisfaction +45%
ROI 287%

Lenders

Processing Time -75%
Default Rate -48%
Portfolio Growth +32%
ROI 356%

Asset Managers

Portfolio Analysis +62%
Risk Assessment +58%
Loan Book Quality +35%
ROI 278%

Success Stories

BANK ONE

72% Faster Loan Processing

Bank One implemented our AI credit scoring platform and reduced their loan processing time from 3 days to just 2 hours while improving accuracy.

Results:
-72%
+28%
CREDIT CO.

45% Reduction in Defaults

Credit Co. leveraged our AI risk assessment to dramatically reduce defaults while expanding their customer base to previously underserved segments.

Results:
-45%
+32%
LEND FAST

98% Fraud Detection Accuracy

Lend Fast implemented our fraud detection agent and achieved near-perfect accuracy, saving millions in potential fraud losses.

Results:
98%
$4.2M

Ready to Transform Your Lending Operations?

Join leading financial institutions using our AI-powered platform to make faster, smarter lending decisions.

Request Demo Contact Sales