Fintech & Banking
AI-Powered Underwriting Platform for a Growing Lender
Replacing a manual underwriting process with an AI-assisted platform that scores risk consistently and scales with loan volume.
Fintech & BankingA Series B fintech lender
Client details anonymized for confidentiality.
The challenge
The client's underwriting process was entirely manual, and it was starting to buckle under growth. Loan volume had tripled in a year, but the underwriting team hadn't grown to match it.
- Risk decisions varied significantly between underwriters reviewing similar applications.
- Average time-to-decision was slipping as application volume grew, hurting conversion.
- There was no consistent, auditable record of why a given risk decision was made.
The solution
We designed and built an AI-assisted underwriting platform that scores risk consistently while keeping a human underwriter in the loop for final decisions.
- Built a risk-scoring model grounded in the client's historical loan performance data, not a generic off-the-shelf score.
- Integrated the scoring engine directly into the existing loan origination system, so underwriters didn't need to switch tools.
- Added structured explanations for every score, giving underwriters and auditors a clear, consistent rationale for each decision.
Technologies
Tools we build with
PythonPyTorchLangChainPostgreSQLAWSNext.js
Results
The outcome
Within the first full quarter after launch, the underwriting team was processing significantly more applications without adding headcount.
-70%
Manual review time
3x
Loan volume scaled
Fully auditable
Risk decisions
Client details anonymized for confidentiality. Figures reflect the representative outcomes this type of engagement targets.
Preview
Product screenshots
This project was built as part of our
AI DevelopmentProduction-grade AI systems, from LLM applications to RAG and agents.
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