◈ FIN.AI.01Collections
Repayment propensity
Prioritises the collection queue by likelihood of recovery so limited field capacity goes where it changes the outcome. Ranks the queue; it does not deny anyone credit.
BEHAVIOUR → PROPENSITY → QUEUE RANK
Industries / 08
Where the ledger is the product.
In lending, precision accounting is the core product. Interest accrual, provisioning, and classification must be calculated continuously rather than adjusted at month-end.
What we build
Origination through collection.
01
Loan origination
Application, documentation, credit assessment, approval workflow and disbursement, with every decision and its inputs preserved.
02
Servicing and accrual
Schedules, daily interest accrual, restructuring, early settlement and write-off, posting to the ledger automatically and correctly.
03
Collections
Ageing, classification, field collection on mobile, promise-to-pay tracking and legal escalation with a full history.
04
Regulatory reporting
Classification and provisioning per the applicable prudential rules, with returns generated from the ledger rather than assembled by hand.
AI in lending
Used carefully, and only where it is explainable.
◈ FIN.AI.02Controls
Fraud pattern detection
Flags application and disbursement patterns that deviate from the norm for review by a human underwriter, with the reason stated.
APPLICATION → PATTERN → FLAG → REVIEW
A position we hold
On automated credit decisions.
We do not build models that decline applicants automatically. Credit decisions affect people’s lives, the training data usually encodes historic bias, and an applicant is entitled to a reason that a human can defend.
We build systems that assemble evidence, highlight risk factors, and prioritize queues, leaving credit decisions with named underwriters. If your requirement is fully automated adverse decisioning, we are the wrong firm, and we say so upfront.
Bring us the process that is currently held together by people.
A 45-minute call. Bring the workaround that annoys you most and we will tell you, honestly, whether it is an ERP problem, an integration problem, or something you should not spend money on at all.
See ERP modules