Financial institutions
The credit factory is the process where change costs the most and mistakes cost even more: every policy rule lives in several systems, every change needs a window, and analysis depends on people who are already stretched.
Written forHead of credit, risk or technology
Our platform takes on the whole process and leaves it auditable: what was decided, on what data, and under which policy was in force at that moment.
Artificial intelligence does not replace the analyst. It takes away the volume that needs no judgement, and puts in front of them the cases that do.
Process stages
- 01
Onboarding and data capture
The applicant enters the process and their data is structured, validated and traced from the first moment.
Role of AIExtraction and normalisation of data from documents and disparate sources, flagging inconsistencies before they reach analysis.
- 02
Placement
The offer is built from the policy in force and the applicant capacity, not from what fits in a form.
Role of AIDetermination of viable terms within policy limits, with an explanation of why each limit applies.
- 03
Analysis
Risk is computed from the available information, and what is missing is stated explicitly.
Role of AIAutomatic assessment of cases that need no human judgement, and prioritisation of those that do, with the reason for escalation.
- 04
Decision
What was decided is recorded, on what data, and under which policy was in force at that moment.
Role of AIConsistent application of policy and generation of the audit trail that holds the decision up to a reviewer.
Real operation
La plataforma de crédito opera en producción dentro de una entidad financiera, con redundancia y bajo carga real.
[PENDIENTE: cifra de operación verificable — volumen mensual, disponibilidad o antigüedad exacta. La aporta el negocio antes del lanzamiento (FR-043d).]
Entidad financiera · [PENDIENTE: magnitud de la operación, sin datos que permitan deducir la identidad]