A UK specialist lender [client name] raised straight-through approvals with the Credit Decisioning engine, while keeping every decision explainable and defensible under the FCA and EU AI Act.
Manual underwriting capped throughput, but a black-box model that couldn't explain itself was a non-starter under Consumer Duty and the EU AI Act. The team needed higher automation and defensible, documented decisions.
Our AI & Data Engineering team tuned the Credit Decisioning engine to the lender's products and risk policy — rules plus ML scoring, with reason codes, fairness testing, and human-in-the-loop routing for exceptions, all documented for regulator review.
Rules + ML, per product and policy.
A narrative for every outcome.
Fairness tested across protected attributes.
Exceptions routed, not rubber-stamped.
Straight-through approvals rose materially while the model stayed explainable and defensible — the CRO got decisions they could stand behind in an audit. [Insert real metrics once available.]