Alternative scoring - at the scale a loan book grows into.
A repeatable, auditable, high-throughput Platform that moves alternative-data credit decisioning out of case-by-case manual review and into a defensible pipeline. Your policy stays intact. Your throughput multiplies.
- Latency per scored applicationUnder 900 ms
- Weight calibrationAgainst your book
- Portfolio viewsProduct / segment / geography
From application-by-application to a policy that runs at book speed.
A growing NBFC does not fail because its underwriters are careless. It stalls because manual assessment of scattered financial behavior cannot keep pace with disbursement volume. Kreedite operationalizes the same discipline your underwriters already apply - at a throughput they cannot match on their own.
A single, defensible scoring pipeline replaces ad-hoc manual review while preserving the same audit trail your compliance team already expects.
Approve, review and decline-risk thresholds are yours. Product-level rules layer cleanly on top of the composite score.
Segment migration, tier drift and default correlation are tracked as a live view - not a monthly PDF landing after the drift has already priced in.
Every scored decision retains its signal set, weights, sub-scores and rule version - reproducible years later.
- Deployment surfaceAPI, batch, hybrid
- Rule surfacesUI, DSL, JSON
- Retention of scored decisionsFull audit lifetime
- Portfolio boardsLive, role-specific
- SLA target latency< 900 ms per score
- Automated approvals or auto-declines - the recommendation is always advisory.
- Universal creditworthiness ratings - the composite is calibrated to a segment.
- Signal inference where consent was not given - missing sources are reported, never invented.
Personal loans. Business loans. Vehicle loans. Consumer finance.
Alt-data uplift for underbanked applicants with thin bureau files.
Transaction-pattern and cash-flow signals for owner-driven small enterprises.
Consented utility and mobile signals as an entry-tier assessment on first-time buyers.
Fast recommendation tier at point-of-sale with a stricter manual-review escalation path.
- Product-line rules can differ - one composite engine, many decisioning surfaces.
- Each product line has its own tier thresholds, escalation depth and monitoring board.
- Composite bands can be re-calibrated per product without re-tuning the underlying signal models.
Bring five products and a segment of your book. We will build a joint scoring plan across them.