Financial Technology
AI-Powered Lending Platform
Scalable lending platform serving underbanked customers with automated credit scoring, risk assessment, and quick approvals.
The Challenge
Scaling Credit Access
An emerging fintech wanted to serve the underbanked population but struggled with traditional manual credit underwriting which was slow and expensive.
- High cost of manual underwriting
- Slow loan approval times (days/weeks)
- Difficulty assessing thin-file customers
- Regulatory compliance overhead
Our Solution
Algorithmic Underwriting
Developed an AI lending stack that analyzes alternative data (SMS, transaction history, utility bills) to score applicants in real-time.
Execution Strategy
- 1Alternative credit scoring verification models.
- 2Automated document OCR verification.
- 3Real-time disbursement engine.
- 4Compliance monitoring dashboard.
Technology Stack
TensorFlow
Node.js
React Native
AWS
The Impact
Credit for Everyone
The platform enabled rapid scaling while keeping default rates below industry average through superior risk models.
90% faster
Loan Processing
From days to minutes
30% lower
Default Rate
Compared to traditional scoring
300% growth
Acquisition
User base expansion