Credit Risk Scoring uses AI to estimate each borrower's probability of default, enabling faster and more consistent credit decisions, by scoring applicants against traditional and alternative financial signals, across the credit underwriting process.
Manual credit underwriting relies on limited data sources and analyst judgement, producing slow, inconsistent decisions and excluding borrowers who lack a conventional credit history.
The AI scores each borrower against a model trained on historical repayment data and alternative financial signals, producing a numeric risk score and a decision recommendation for the underwriting team.
Reduces credit decision turnaround time; improves default rate prediction accuracy; measured as reduction in days-to-decision and reduction in non-performing loan rate.
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