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Intuitive credit decisioning

Frontline-friendly screening with explainable risk intelligence.

Reduce manual cross-checking during review cycles, align with policy guidance, and keep officers in control. CreditRiskPro is an academic decision-support prototype that blends 5C assessment, model-driven PD, and workflow-ready triage for SME and retail lending.

Launch demo Explore modules Group12 access
Applications in queue
138
Updated 4 mins ago
Avg queue PD
11.8%
Portfolio median 10.4%
Policy exceptions
7
2 need committee review
My Queue 8 pending
A. Obi - Working Capital
NGN 24M SME
High SLA 3h
K. Bako - Equipment Finance
NGN 9M Retail
Medium SLA 8h
M. Yusuf - Invoice Discounting
NGN 18M SME
Low SLA 18h
Borrower PD LTV DSR Data
J. Eze / Transport 14% 78% 34% OK
J. Lawal / Retail 19% 84% 41% Partial
E. Onu / Agro 9% 66% 28% OK
High risk files
6
Incomplete docs
12
Avg SLA age
9.4h

Designed for loan screening, underwriting, and early warning.

The workflow aligns to officer roles and risk management priorities. It keeps focus on the most urgent files, gives transparent decision support, and ensures monitoring continues after booking.

Step 01
Triage and prioritise
Queue tiles show PD, SLA ageing, branch, and data quality. Color labels and shapes support accessibility.
Step 02
Underwrite with evidence
Borrower summaries map 5Cs, highlight policy exceptions, and pair rule logic with ML scores.
Step 03
Monitor and act early
Early-warning queues track PD jumps, DPD breaks, and sector stress so officers can intervene quickly.

Six pages, one workflow-ready decision language.

Each module keeps the same KPIs, risk bands, and AI explanations so officers move through the workflow without losing operational context. Use them together or surface only the pages each role needs.

Loan Screening and Triage
  • QMy Queue tiles with SLA, PD, and risk bands.
  • TSortable triage table with LTV, DSR, NPL flags.
  • KKPIs for queue PD, exceptions, and incomplete docs.
Loan-Level Decision
  • 55C mapping for traceable underwriting.
  • RRisk band gauge with approval thresholds.
  • XLocal SHAP explanations in plain language.
Early Warning and Monitoring
  • EWatchlist for PD jumps, DPD changes, and triggers.
  • MExposure at risk tiles and sector heatmaps.
  • AAction panel to tighten limits or restructure.
Portfolio and Regulatory
  • PExpected loss, NPL, and migration KPIs.
  • CConcentration by sector, region, and branch.
  • RCBN-aligned reporting widgets and refresh status.
Officer Home
  • HTask strip for files to screen and review.
  • OCompact performance trend and PD summary.
  • IMicro-help for AI and policy terminology.
Analyst and XAI Insights
  • SGlobal SHAP drivers and ranked features.
  • DModel drift snapshots by segment.
  • VValidation views for interpretability evidence.

Policy aligned, audit ready, and officer friendly.

Every decision is traceable to 5C indicators, policy thresholds, and model outputs. Data quality indicators make missing inputs visible before approvals.

CBN and Basel alignment

Track PD, LGD proxies, expected loss, and NPL ratios in a single view. Generate regulatory breakdowns without additional manual reports.

NPL ratio Watchlist exposure Risk migration Data freshness

Explainability built in

SHAP explanations and plain-language summaries show what drives risk at loan level. Officers see the "why" before they act.

Debt service ratio
+3.4%
Recent arrears
+2.1%
Collateral coverage
-1.9%
Summary: High DSR and late payments raise PD, while strong collateral reduces risk.

Give every officer a calm, confident decision workspace.

Start with onboarding, then land directly in triage with workflows pre-filtered to your team.

Launch demo Group12 access