How we support this sector
- AI-driven underwriting and credit decisioning strategy
- Fair lending and algorithmic bias assessment planning
- Loan servicing and collections automation strategy
- Vendor evaluation for lending platforms and AI models
- Data strategy for credit analytics and alternative data
- Regulatory readiness for AI in lending decisions
Typical deliverables
- AI underwriting strategy and roadmaps
- Fair lending AI governance frameworks
- Loan servicing automation assessments
- Vendor evaluation and platform selection reports
- Alternative credit data strategy and governance
- Model risk management frameworks
- Regulatory readiness assessments
- Business case and ROI analyses
Sector expertise
Lending decisions are increasingly AI-driven, from initial credit assessment through pricing, servicing, and collections. This creates enormous potential for better risk management and financial inclusion — but also significant regulatory and fairness risks that demand careful governance.
We help lenders develop AI strategies that genuinely improve credit decisioning while maintaining regulatory compliance and fairness. Our independence means we evaluate AI vendors, alternative data providers, and model approaches based on evidence and your institution's specific context, not on vendor relationships.
Common questions
Do you work with both traditional and alternative lenders?
Yes. We advise banks, credit unions, specialty finance companies, marketplace lenders, BNPL providers, and embedded lending platforms. Each operates under different regulatory frameworks and has distinct AI opportunities.
Can you help with fair lending compliance for AI models?
We help develop governance frameworks and testing strategies that address fair lending requirements for AI-powered credit decisions. We do not provide legal opinions but ensure your AI governance approach accounts for disparate impact and adverse action requirements.
What about alternative credit data?
We advise on the strategic use of alternative data for credit decisioning, including assessment of data quality, predictive value, regulatory acceptability, and fairness implications.
How do you approach BNPL and embedded lending?
We help BNPL and embedded lending providers develop AI strategies that support growth while building sustainable risk management practices, including credit assessment, fraud prevention, and portfolio monitoring.