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Banking & Financial Services
In lending, the firm that answers first wins the book.
Credit is a speed business disguised as a risk business. Borrowers take the first credible offer, and every hour of turnaround loses deals to someone faster. We build the decisioning, document intelligence and collections systems that make speed compatible with discipline.
4 days → 4 hrs
underwritingCredit decision turnaround
+60%
conversionQualified applicant conversion
+18%
recoveryCollections recovery improvement
Losing good loans to a competitor who was simply quicker.
A specialist lender was declining fewer deals than its competitors and still losing them. Their credit judgement was excellent; their turnaround was four days. Borrowers with a property under offer could not wait four days, so they took a slightly worse rate from a lender who answered on the same day.
The bottleneck was not credit. It was six thousand pages a month of bank statements, valuations and title documents being read by three analysts. We deployed document intelligence with citation-level traceability, a decision policy encoding their actual credit rules, and human review reserved for genuine judgement.
Turnaround fell to under four hours, conversion rose 60%, and the credit committee accepted it because every extracted value cites the page it came from. The credit policy did not loosen. The queue disappeared.
We were never losing on risk appetite. We were losing on Tuesday afternoon.
Six places money leaks in a financial services operation.
Ranked by how quickly our clients in this sector have recovered their investment.
Document intelligence & underwriting
Statements, filings, valuations and titles read, extracted and validated with citations, so analysts underwrite instead of transcribing.
Recovery prioritisation & agents
Accounts ranked by probability of recovery with the channel, tone and timing chosen per debtor, negotiating within regulatory policy.
Credit & default modelling
Propensity and default models with reason codes, fairness testing and the documentation your risk committee and regulator require.
Attrition & silent-customer detection
Identify customers disengaging before they complain or refinance, with retention action priced against margin rather than blanket discounting.
Voice AI & customer operations
Inbound and outbound voice agents for servicing, verification, reminders and arrears, with grounded answers and full transcripts.
Origination & servicing platforms
Purpose-built systems where your credit policy is expressed in code rather than maintained in spreadsheets beside a rented product.
What changes on the balance sheet.
Each of these is written into the engagement as a number with an owner, a baseline and a review date.
OUTCOME 01
Book growth without policy drift
Conversion rises because turnaround falls, not because credit standards loosen. This distinction is what allows the change to survive a credit committee and a regulator.
OUTCOME 02
Recovery improves while cost falls
Prioritising collections by probability of recovery rather than by age or alphabet increases recovery and reduces contact volume simultaneously.
OUTCOME 03
Every decision is defensible
Automated decisions carry inputs, model version, policy version and reason codes. Reconstructing a decision from eighteen months ago takes an afternoon, not a project.
Built for a regulated environment.
- Decision log with replay for every automated credit or collections action
- Reason codes exposed to customer-facing staff and adverse-action notices
- Fairness and disparity testing before release and continuously afterwards
- Credit policy expressed in versioned, reviewable code
- Segregated environments, PII controls and residency compliance
- Monthly value reporting against baselines verified with finance
The engineering underneath.
Numbers from work already in production.
Measured against the baseline agreed with the client before the engagement started.
4 days → 4 hrs
Underwriting turnaroundDocument intelligence and decision policy
+60%
Qualified conversionApplicants completing to funded
+18%
Collections recoveryPrioritised, personalised contact strategy
What credit and risk leaders ask.
- 01. Will our regulator accept automated decisioning?In our experience yes, where the decisions are logged, explainable and subject to defined human oversight. We build to that standard as a matter of course, and we involve your risk and compliance functions from the value model onwards.
- 02. Do we have to replace our core system?Usually not. Most of our work in this sector sits alongside a core banking or loan origination system, integrating at the API or data layer. Replacement is a separate decision with its own business case.
- 03. How do you handle adverse action and disputes?Reason codes are produced at decision time and surfaced in the language your customer communications require. Every decision is replayable, which makes dispute handling a lookup rather than an investigation.
- 04. Can you improve collections without damaging our brand?That is the design constraint. Prioritisation typically reduces total contact volume while improving recovery, because effort stops going to accounts that were always going to pay or never going to.
Where to go next.
Tell us your current turnaround. We will tell you what the delay costs you.
The assessment measures your origination and collections cycle, quantifies the deals lost to delay and models the value of decisioning at speed.
