Solution Financial Services
AI-Powered Credit Underwriting for SME Lending
An AI credit decisioning platform on Azure combines traditional and alternative data to speed up loan approvals and reduce defaults for commercial and SME banks.
-75%Loan approval time
-22%Default rate
+40%Approved applications
Typical outcomes for this kind of engagement. Results depend on your data and starting point.
THE CHALLENGE
SME credit applications can take more than ten days to underwrite because analysts assemble financials, bureau data and account behavior by hand, and applicants who get an answer elsewhere simply leave.
- Manual underwriting taking 10+ days for SME loans, losing deals to faster competitors
- Inconsistent credit decisions across underwriters and branches
- Rising defaults in segments existing scorecards cannot isolate
OUR APPROACH
CloudGate builds an AI credit decisioning platform that ingests bureau, transaction, financial statement and alternative data, applies models trained in Azure Machine Learning, and returns an explainable recommendation to the underwriter.
- Custom credit risk models on Azure Machine Learning using bureau, transaction and alternative data
- Explainable AI dashboards in Power BI for full decision transparency
- Underwriter copilot on Azure OpenAI summarizing financials and drafting credit memos
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