The Underwriting Risk Copilot empowers financial officers to make faster, data-backed lending decisions. It aggregates traditional credit scores with alternative data (utility bills, transaction history) to provide a 360-degree risk profile while maintaining strict regulatory compliance and data privacy.

The primary research goal was to bridge the gap between 'Unbanked' populations and credit availability. We developed an algorithmic bias-check to ensure fair lending practices while reducing the probability of default through advanced predictive analytics.

Cut manual review time by 42%, allowed for a 15% expansion in the approved loan book without increasing the NPL (Non-Performing Loan) ratio.