The Challenge
A fast-growing digital lender faced stagnating approval rates while maintaining acceptable risk levels. Manual underwriting created bottlenecks, and their existing rule-based system couldn’t scale.
The Outcome
- 8–12% increase in approval rates at constant risk levels
- Manual review rate reduced from 18% to 6%
- Model passed Model Risk Committee with no conditions
- Full documentation accepted by internal audit
- Deployed within 2 weeks of final sign-off
“Kassriel Quant’s team built our application scorecard from scratch in 12 weeks—fully documented, regulator-ready, and delivered a 10% uplift in approvals. The engagement included comprehensive governance documentation and Model Risk Committee sign-off.
— Chief Risk Officer, UK Fintech Lender”
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