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AI Credit Scoring &
Loan Management System
The AI system for digital lenders and BNPL providers - Intelligent credit scoring, end-to-end loan management and seamless integration with distribution channels
THE PROBLEM WE SOLVE
Problem Statement
Digital lenders and BNPL providers face mounting pressure to underwrite at speed, manage growing portfolios and contain default risk. Traditional scoring models are slow, manual and poorly suited to high volume micro lending. Building proprietary infrastructure for scoring, disbursement and collections is costly, slow to launch and difficult to scale.
OUR SOLUTION
Solution Description
A complete AI system for digital lenders and BNPL providers. The credit scoring engine uses machine learning to risk-profile applicants from alternative data signals and behavioural patterns. The loan management system handles disbursement, repayment scheduling and collections end-to-end. API first architecture enables integration with any distribution channel - configurable for micro credit, short tenure lending and BNPL instalments.
How It Works
Our DB Insights profiling engine processes thousands of data points to deliver instant SOS credit while maintaining strict threshold governance and user-centric liquidity safeguards.
Step 01
Applicant requests credit via distribution channel
Step 02
AI scoring engine assesses eligibility in real time
Step 03
Lender partner approves credit
Step 04
Funds disbursed
Step 05
Loan management system handles repayment and collections through tenure end
Configurable Risk Controls
Our DB Insights profiling engine processes thousands of data points to deliver instant SOS credit while maintaining strict threshold governance and user-centric liquidity safeguards.
Control 1
Configurable exposure caps and credit limits per borrower
Control 2
Flexible repayment tenures and BNPL installment options
Control 3
Automated facility suspension on missed repayments
Control 4
Built-in system supports cash or blocks on cash equivalents
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