Lending decisions in minutes, with the reasoning attached.
Digital-first SME lender
Underwriters were reading the same bank statements, tax filings, and bureau pulls by hand for every application. Decisions took days, throughput capped at whatever the team could read in a shift, and two analysts could score the same file differently.
We built a decisioning agent that reads each applicant's documents, normalises the figures, runs the lender's own credit policy as deterministic rules, and returns a scored recommendation with every input cited. Anything outside policy thresholds is routed to a human with the rationale already assembled.
“The agent does the reading so my team does the judging. Every file arrives scored, sourced, and ready to sign off, or flagged with a clear reason it can't be.”