AI Credit Risk Platform

Overview

Delivered a predictive, explainable credit scoring product integrated with loan origination systems, leveraging ML models to automate compliance checks and accelerate underwriting decisions.

The Challenge

Risk workflows relied on manual document review and legacy compliance checks, creating bottlenecks that slowed policy underwriting and introduced inconsistency in audit trails.

The Approach

Defined the product vision and roadmap for an AI-native document intelligence platform. Co-designed explainable ML models with engineering, integrating via APIs with robust feedback loops. Led sprint planning, wrote detailed PRDs and API contracts, and conducted VOC sessions to validate user stories.

Key Outcomes

• Reduced underwriting time by 60% through ML-driven policy automation
• Reduced defaults by 8% with predictive, explainable credit scoring
• Secured $1M funding by architecting product vision and compliance-aligned roadmap
• Achieved 40% increase in monthly active users for AI features across 3 business lines
• Cut onboarding drop-off by 15% through A/B-tested funnel optimisation

The Result

The platform transformed risk workflows across multiple modules, automating compliance checks while improving auditability. Onboarding funnel A/B tests cut drop-off by 15%, and user segmentation models drove a 30% boost in feature engagement.