CredAI
Credit decisions in seconds, powered by alternative data
An API-first credit decisioning platform that scores consumers and SMEs on alternative data — card, payments, e-commerce, and telco signals — returning an explainable risk score and offer in under three seconds.
Aisha Rahman
ConsumerBorrower 360
Score
682 / 1000
Latest Decision
APPROVEDScore
682
Confidence
85%
Suggested APR
15.2%
Credit Limit
12,500 QAR
Alternative Data (90-day)
Card
24,998 txns
Payments
11,157
E-comm
10,789
Telco
142 rec · 2.8 yrs
Key Signals
- Net cashflow+5.2K QAR
- Telco tenurestrong
- Chargeback rate8%
- Stability index76/100
Bureau-only credit decisioning is slow, manual, and blind to the underbanked — yet richer alternative-data signals need complex ingestion and scoring infrastructure most lenders can't build.
Digital lenders, fintech platforms, and banks in emerging markets serving consumers and small businesses with limited formal credit history — underwriters, product, compliance, and collections teams.
The full picture
Traditional decisioning leans on thin bureau files and manual review, excluding underbanked borrowers and slowing approvals. CredAI ingests transaction events from alternative sources and computes a comprehensive risk profile in real time, combining configurable policy rules with optional AI refinement to return an Approve / Review / Decline decision, a 0–1000 score, a suggested APR, and a credit limit. Every decision is explainable — narrative, reason codes, key positive and negative signals, and next-best actions to improve eligibility. Lenders manage borrower 360 profiles, monitor portfolio health, and version and ship new policies without downtime.
From input to audit trail.
Ingest
Pull transaction, telco, and payment events into a unified event stream.
Compute
Derive cashflow, volatility, stability, and chargeback features on a 90-day window.
Decide
Score, apply policy, and optionally refine with AI; generate explainability.
Offer
Output the outcome, APR, and limit with a full, auditable decision report.
What it does.
Sub-3s Decisions
Returns approve / review / decline with a 0–1000 score in under three seconds.
Alternative Data Fusion
Scores card, payments, e-commerce, telco, and bank signals into one risk profile.
Explainable Scoring
Every decision ships with a narrative, reason codes, and signals to improve eligibility.
Policy + AI Engine
Configurable policy rules layered with optional AI refinement for nuanced decisions.
Borrower 360
Unified profiles: live score, cashflow summary, stability index, and decision history.
Portfolio & Policy
Monitor approval rates and volumes; version and activate policies with zero downtime.