AI Underwriting.
Approve more, default less.
Real-time credit decisioning on alternative data, approve qualified borrowers in milliseconds, decline the rest with a defensible reason.
Lend to the customers your competitors can't score.
Thin-file borrowers are not low-quality borrowers. They are unscored borrowers. Oradian's open data access and API-first architecture let your risk team train models on mobile wallet, utility, telco and behavioural data, and deploy them as a real-time decisioning service that calls the core, posts the decision, and triggers disbursement, all governed by your existing risk policy framework.
Underwriting capabilities, end to end.
Alternative data models
Mobile money, utility payments, telco, device fingerprints, transaction history, all queryable through Database Access.
Sub-second decisions
Real-time scoring at origination via stable, versioned APIs. Built for high-volume digital lending.
Champion-challenger
Run multiple models in parallel, route a slice of traffic, retrain on outcomes, without forking the platform.
Explainable decisions
Every approval and decline carries reason codes regulators and ombudsmen accept.
Policy as code
Encode hard rules natively in the platform; let the model decide everything in between. Governed, versioned, auditable.
AI-native policy
Our AI agent helps your risk team translate policy intent into production-ready logic.
Lend to the next million customers your competitors can't see.
Talk to the Oradian team about putting AI Underwriting into production on your core.
Talk to our team