Commercial Bank Approves Loans 75% Faster with AI-Powered Underwriting
An AI credit decisioning platform on Azure that combines traditional credit signals with alternative data, accelerating SME and retail loan approvals while reducing default rates.
Project Overview
The Challenge
Manual underwriting was slow, inconsistent, and unable to scale with growing SME demand, while default rates were rising in specific portfolio segments.
- 1Manual underwriting taking 10+ days for SME loans, losing deals to faster competitors
- 2Inconsistent credit decisions across underwriters and branches
- 3Limited ability to underwrite thin-file customers using alternative data signals
Our Solution
CloudGate built an AI credit decisioning platform that ingests structured and unstructured data, applies machine learning models, and provides explainable recommendations to underwriters.
- Custom credit risk models trained on Azure ML with bureau, transaction, and alternative data
- Explainable AI dashboards in Power BI giving underwriters full decision transparency
- Underwriter copilot summarizing financials and flagging risks via Azure OpenAI
The Results
- Expanded SME lending into previously underserved customer segments
Technologies Used
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