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Agentic credit decision engine: explainable, real-time underwriting across personal loans and BNPL

Go TymeX · Posted 2 months ago

Banking and financeRobotic Process Automation (RPA)
Budget
To be determined
Timeline
Not specified
Closed on
31 Jul 2026, 16:59 ICT

Problem statement

Personal loan and BNPL underwriting relies on static scorecards, rule trees, and engineering releases, while BNPL decisions must resolve in under two seconds.

Expected outcomes and success metrics

- Reduce personal-loan decision turnaround from hours to under 60 seconds for 80% of applications. - Keep BNPL checkout decisions under two seconds end-to-end including agent reasoning. - Produce plain-language, regulator-defensible decline rationales and decision lineage. --- *Track: Financial Services II | Sponsor: Go TymeX | Slug: credit-decision-engine | Source: Agentic AI Build Week 2026 — Production snapshot 2026-08-11*

Current process

Underwriting relies on static scorecards, rule trees and engineering releases.

Relevant AI technologies

Robotic Process Automation (RPA)