Fintech · ML & Data Science · Discovery Workshop
From Manual Underwriting to ML-Assisted Risk Scoring
A digital lender was approving loans on a static, bureau-only scorecard that underserved thin-file borrowers and fed a growing manual review queue. A discovery-led approach combined bureau data with alternative data into an explainable, ML-assisted risk scoring system.
- Underwriting backlog cut
- 70%
- Faster approval turnaround
- ~50%
- Faster mortgage processing
- ~20%
