Business Context
Capital Security Bank's manual credit risk review process was slow and inconsistent, often missing early signals of loan default or fraudulent applications, leading to multi-million dollar write-offs each quarter.
Execution Strategy
Built an end-to-end AI risk scoring engine that ingests over 200 financial signals — including transaction velocity, behavioral patterns, and bureau data — to generate real-time applicant risk profiles with explainable AI outputs for compliance teams.
Measured Impact
Reduced credit default rates by 38% within two quarters of deployment, cutting manual review time by 60% and enabling the bank to process 3x more loan applications with the same analyst headcount.
