AI Solutions · Credit Risk
Your credit model is probably lying to you.
Bureau scores were built for the mainstream. AltRisk™ scores your actual borrowers — thin-file, credit-invisible, second-chance — from your own portfolio performance, with explainability regulators accept.
Book a free diagnostic →
+20%
approvals in the thin-file segment — no rise in defaults
8 Weeks
to a validated prototype on your book
12 Weeks
to production deployment
Bureau scores were never built for your borrowers.
You lend to thin-file, credit-invisible, or second-chance borrowers. Generic scores reject solid applicants, let risky ones through unflagged — and look explainable while performing like a dartboard.
The repayment signal exists. It’s sitting in your own portfolio performance and behavioral data — not in someone else’s assumptions.
How it works
Score the unscorable
A model trained on your portfolio’s actual repayment behavior, not bureau averages — it finds the applicants who repay that generic scores reject.
Integrate real signals
Income patterns, payment velocity, behavioral data — the alternative signals bureau files don’t carry.
Explain every decision
SHAP attributions and scorecards, compliance-ready from day one. Built for the audit, not retrofitted for it.
Validate before you trust
Backtested against your book and stress-tested on the segments that matter, so the lift is proven before it prices a loan.
What you get
- ✓AltRisk™ scoring model trained on your portfolio performance
- ✓Alternative-signal feature set: income patterns, payment velocity, behavior
- ✓Regulator-ready explainability — SHAP attributions plus scorecards
- ✓Validation pack: backtests, stress tests, and segment-level lift analysis
Start with Structure
Get Your Free Business Physics Diagnostic
20 minutes. We’ll show you where variance is costing you money.
In 20 minutes, we’ll map the hidden forces driving your outcomes - and show you exactly where variance is costing you money.
No pitch. No fluff. If there's no structural insight, we'll tell you.
You'll leave with
- ✓The 3 dominant forces shaping your results
- ✓Your top noise sources (and which ones are fixable)
- ✓A Predictability Score for your current system
- ✓A 90-day action plan - whether you work with us or not
Ready to map the physics?
Private, explainable, and deployment-ready systems.
A 20-minute structural assessment. Zero fluff.
Not ready to talk?
Get the Self-Assessment →Download our 1-page Business Physics Self-Assessment and diagnose your own system.