Safe credit underwriting AI, delivered for your business
We design, build, and run credit decisioning and underwriting copilots tailored to your policies and portfolio, with evaluation, monitoring, and auditability built in.
Proof
What you improve in 6–12 weeks
Faster approvals
Higher approval consistency
Lower manual review burden
Controlled risk + audit readiness
Credit underwriting AI solutions we ship
Application intake + triage
Route and prioritize applications with AI-assisted triage and missing-doc detection.
Policy & eligibility matching + exception routing
Match applicants to policy rules and route exceptions for human review.
Income/asset verification intelligence
Extract and verify income, assets, and employment from documents.
Underwriting copilot
Policy Q&A, risk assessment, and decision support for underwriters.
Document intelligence
Bank statements, pay stubs, tax returns—structured and queryable.
QA + compliance checks
Reason codes, evidence capture, and adverse action support.
Safety isn't a promise—it's built into the system
Privacy-safe data foundations
Including synthetic data where needed so you can train and evaluate without exposing real PII.
Evaluation before deployment
Tests tied to credit outcomes and fairness so you ship only what meets your bar.
Monitoring after launch
Drift, performance, and adverse action quality—so you see issues before they scale.
From pilot to production, end-to-end
Discover
Policy, workflow, risk appetite, and data reality.
Build
Data readiness, model/copilot, and human-in-loop controls.
Validate
Approval/decline quality, calibration, fairness, thresholds, sign-off.
Operate
Monitoring, policy updates, retraining triggers, reporting.
Powered by
DataFramer
Privacy-safe synthetic + scenario-complete datasets, balancing, labeling, evaluation set creation.
AIMon
Monitoring, evaluations, governance, audit trails, policy controls.
Dedicated AI Engineers
ML/AI Engineers that design and build your underwriting AI with human-in-the-loop and safety built in.
Built for credit workflows
Data never leaves your network
What it automates
- Intake + eligibility checks + missing-doc detection
- Risk assessment + policy explanation + exception routing
- Decision write-up + adverse action reason support
Typical inputs
- Application data + bureau/credit report attributes
- Bank statements/pay stubs/tax returns (if applicable)
- KYC/KYB + fraud signals + internal performance data
How we keep it safe
- Policy constraints + human approval gates for edge cases
- Monitoring for drift, bias/fairness signals, and decision consistency
What it automates
- Intake + eligibility checks + missing-doc detection
- Risk assessment + policy explanation + exception routing
- Decision write-up + adverse action reason support
Typical inputs
- Application data + bureau/credit report attributes
- Vehicle and loan structure data
- KYC + fraud signals + internal performance data
How we keep it safe
- Policy constraints + human approval gates for edge cases
- Monitoring for drift, bias/fairness signals, and decision consistency
What it automates
- Intake + eligibility checks + missing-doc detection
- Risk assessment + policy explanation + exception routing
- Decision write-up + adverse action reason support
Typical inputs
- Application data + bureau/credit report attributes
- Financial statements, tax returns, business docs
- KYC/KYB + fraud signals + internal performance data
How we keep it safe
- Policy constraints + human approval gates for edge cases
- Monitoring for drift, bias/fairness signals, and decision consistency
What it automates
- Intake + eligibility checks + missing-doc detection
- Risk assessment + policy explanation + exception routing
- Decision write-up + adverse action reason support
Typical inputs
- Application data + bureau/credit report attributes
- Income/asset docs, property and collateral data
- KYC + fraud signals + internal performance data
How we keep it safe
- Policy constraints + human approval gates for edge cases
- Monitoring for drift, bias/fairness signals, and decision consistency
Built for enterprise requirements
- Access controls + audit logs
- Versioning for models, prompts, and policies
- Evidence capture for decisions
- Compliance-friendly posture
- Data never leaves your network
Start with a pilot designed to prove value safely
We run a focused pilot in 4–8 weeks: discover your policy and workflow, build a working credit workflow with human-in-the-loop, validate approval/decline quality and fairness, and hand you an evaluation report plus a monitoring dashboard so you can operate with confidence.
Pilot at a glance
- Timeline
- 4–8 weeks
- Deliverables
- Working workflow + evaluation report + monitoring dashboard
- Success metrics
- Approval time Manual review rate Consistency
Frequently asked questions
- What data do you need to start?
- We typically start with sample applications, credit/bureau attributes, policy rules, and decision outcomes. We can work with complex or limited data and use synthetic or scenario-based data where needed to fill gaps.
- Can this work if our policies are complex or frequently changing?
- Yes. We design for real-world policy stacks: multiple products, exception matrices, and periodic updates. Versioning for models, prompts, and policies keeps you in control as rules change.
- How do you support adverse action / explainability?
- We build reason codes and evidence capture into the workflow so every decision can be explained and adverse action notices can be supported. Monitoring includes adverse action quality checks.
- How do you measure performance and fairness?
- We tie evaluation to credit outcomes: approval time, manual review rate, calibration, and fairness metrics. You get an evaluation report before launch and ongoing monitoring after.
- How do you monitor drift and policy compliance?
- We monitor input and outcome drift, policy compliance, and decision consistency. Alerts and dashboards help you catch issues before they scale.
- What happens after the pilot?
- After the pilot you get a working workflow, evaluation report, and monitoring dashboard. We help you scale to production with retraining triggers, governance, and ongoing support.
Get Started
Let's build safe credit underwriting AI for your team
Book a free working session or talk to an expert for free.