Fintech
AI Credit Underwriting Platform
Reduced manual review time by 80% using a six-stage AI agent pipeline with explainable decisions.
-80%Manual review time
98%Decision consistency
9 minTime to decision
100%Explainability coverage
The challenge
A digital lender was buried under manual underwriting reviews. Loan officers spent hours per file reconciling bank statements, payslips, and bureau data, and decisions were inconsistent across reviewers.
Our approach
- 1Designed a six-stage agent pipeline: ingest, normalize, verify, score, explain, and review.
- 2Built document understanding for bank statements, tax forms, and ID documents with confidence scoring.
- 3Trained a custom risk model with feature attribution so every decision is fully explainable.
- 4Wired human-in-the-loop review for low-confidence cases with full audit trail.
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