Data Ingestion
Capture app data, device, geolocation, employer/merchant, and document OCR.
Real‑time credit decisions for consumer & SME financing: data ingestion, bureau & alternative data, rules & scorecards, ML models, explainability, decision strategies, and monitoring — integrated with LOS/LMS.
Capture app data, device, geolocation, employer/merchant, and document OCR.
Credit bureau, telco, e‑commerce, social/utility, and bank statements (OCR/Open‑Banking).
Eligibility, stability, affordability, and policy rules with versioning.
Logistic scorecards with PSI/KS/Gini tracking; challenger scorecards supported.
GBM/Forest/NN models, feature store, and MLOps lifecycles.
Cut‑off, overrides, line/tenor/rate assignment, and test‑and‑learn.
Bank‑statement parsing, expense proxies, DSR/FOIR calculations.
Device/IP, selfie‑liveness, document authenticity, and duplicates.
Reason codes, score contributions, and adverse action letters.
Synchronous API for LOS/mobile; bulk decisions for campaigns.
Population stability, overrides, bad rate, and model drift alerts.
Outcome tracking, cut‑off curves, and full audit trail.