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

Privacy-safe data Outcome-based evaluation Production monitoring Audit trails

What you improve in 6–12 weeks

Faster approvals

Higher approval consistency

Lower manual review burden

Controlled risk + audit readiness

Credit underwriting AI

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

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.

Process

From pilot to production, end-to-end

1

Discover

Policy, workflow, risk appetite, and data reality.

2

Build

Data readiness, model/copilot, and human-in-loop controls.

3

Validate

Approval/decline quality, calibration, fairness, thresholds, sign-off.

4

Operate

Monitoring, policy updates, retraining triggers, reporting.

Platform

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.

Credit workflows

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
Enterprise

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
Pilot

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
FAQ

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.