The problems we solve
- Manual underwriting bottlenecks — Spreadsheet-driven decisioning caps loan volume and inflates default rates.
- Fragmented data and bureau costs — Pulling bureau, bank, and alternative data without a unified feature store is expensive and slow.
- Servicing and collections drag — Legacy LMS platforms can't handle modern repayment, deferrals, or hardship workflows.
What's included
- Loan origination (LOS) — Configurable workflows, doc capture, e-sign, bureau pulls, and decision engine.
- ML credit decisioning — Custom risk models with explainable AI for ECOA/FCRA compliance.
- Loan management (LMS) — Amortization, fees, payments, deferrals, restructures, and statements at scale.
- Collections & recovery — Behavioral segmentation, omnichannel outreach, and payment-promise automation.
Outcomes you can measure
- Approval times reduced from days to seconds
- 10–25% lift in approval rates at constant loss
- Servicing cost per loan cut by 40%
- Full audit trail for CFPB, FCA, ASIC, and SAMA
Technology stack
Python · Go · PostgreSQL · Snowflake · Airflow · Plaid · Codat · AWS
Typical timeline
8–16 weeks to a production-ready MVP. Fixed-scope discovery in week 1, working software every 2 weeks.
