AI-Powered Credit Risk Assessment
A leading UK lender struggled with slow, manual credit review processes that created bottlenecks and inconsistent risk evaluations across their portfolio.
Headline outcome
65% Faster credit decisions
The challenge
Credit analysts were spending the majority of each deal cycle re-keying numbers from PDF accounts, hand-computing covenants and writing memos. Throughput was capped, decisions varied between analysts, and the credit committee lacked a real-time view of portfolio risk.
“Deployed aivionScore — an automated credit analysis platform using ML-driven risk scoring, document extraction, and real-time portfolio dashboards.”
Our approach
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01
Deployed aivionScore, calibrated to the lender's historical portfolio and risk appetite.
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02
Automated extraction of statutory and management accounts with explainable scoring.
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03
Integrated into origination workflows with role-based dashboards for analysts and committee.
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04
Independent model validation and ongoing monitoring framework aligned to MRM standards.
The result
Within six months, average time-to-decision dropped by two thirds, manual review effort fell sharply, and the credit committee gained a live portfolio view that surfaced concentration and emerging risks long before they became losses.
65%
Faster credit decisions
40%
Reduction in manual review
22%
Improved risk accuracy
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