LLM-powered · GBM ensemble
Policies that learn from your book.
The AI Advisor reads your customer cohort end-to-end — demographics, repayments, collections, DPD ageing, write-offs — and proposes rule changes that lift approval rates while keeping risk in check. RAK, credit and AI scores are recomputed live.
Input data
Data sources the AI is trained on
A live snapshot of the cohort across customer demographics and instrument behavior.
Customer Demographics
IQAMA & Customer
ready
24,310 profiles
IQAMA, nationality, sector, city, dependants
Loan & Tawarruq
ready
47,820 contracts
Principal, tenure, product, segment
Repayments + GOSI
ready
912,403 records
EMI schedule, net income, GOSI deduction
Collections Buckets
ready
6,127 cases
BRD 13-bucket ageing + stage map
Instrument Behavior
DPD Ageing
ready
38,210 events
DPD ageing 30 / 60 / 90+ days
Write-offs & NPL
ready
2,094 accounts
NPL conversions + Bucket 13+ stage 4
Delay / Partial
ready
71,580 instances
Partial / late installments
Regular Pay
ready
628,917 on-time
On-time, in-full installments
Legal & SIMAH
ready
418 cases
SIMAH delinq types, legal escalation