AI Underwriting Copilot for a Digital Lender โ Decisions in 4 Minutes, Not 6 Hours
A UK digital lender was spending 6 hours per loan decision using a team of credit analysts reviewing open-banking exports and bureau reports manually. We built an LLM-powered underwriting engine that parses live financial data, proprietary risk signals, and bureau feeds โ reducing decision time to under 4 minutes with an 18% improvement in default rate.