AI in Credit Risk Profiling
“Thanks to our collaboration with Artificialy SA, we’ve turned credit monitoring into a streamlined, intelligence-driven process. The insights are clearer, the analysis more actionable, and our decision-making significantly more effective.”
Challenge
Credit reviewers often need to navigate across multiple platforms to gather a full picture of a client’s financial status, resulting in time-consuming processes and a higher risk of oversight. Furthermore, traditional evaluation methods rely on static or infrequently updated data, making it difficult to identify early signs of risk such as income drops, asset reduction, or unusual transaction patterns.
Our banking client required a customized AI solution to streamline and enhance this financial process efficiently.
The Swiss banking and finance sector handles vast amounts of data within a strict regulatory environment. This demands transparent, optimized, and precise management to ensure compliance and drive informed decision-making.
Our AI Solution
Artificialy developed an AI-driven solution that centralises credit-relevant data and analyses customer financial status in real time, thus enabling the early detection of credit risk indicators and supporting proactive decision-making.
The AI solution analyses multiple data sources and translates them into key risk indicators, such as drops in income or net worth, late payments, anomalous behaviours, and signs of credit distress. It then profiles each client's credit risk into three categories: low, medium, or high. These insights are consolidated into a single, intuitive dashboard that provides credit reviewers with a clear, data-driven view of each client’s financial situation, empowering faster and more informed decisions.
Results
AI for finance enables a comprehensive, efficient, and accurate approach to credit risk management, delivering measurable improvements across key areas.
Unified risk view: all credit-relevant data, along with key indicators, is consolidated into a single, intuitive dashboard, eliminating tool-switching, improving clarity, and surfacing critical insights from recent client activity.
Automated early warning system: the solution detects early signs of repayment difficulties or credit irregularities, enabling proactive risk management and faster intervention.
Actionable insight from raw data: advanced analytics transform raw transaction data into meaningful insights that support credit decisions.
Adaptable to diverse client profiles: the solution is designed to handle both individual and corporate clients, ensuring consistent performance and accurate risk assessment across a wide range of credit portfolios.
High predictive accuracy: in 90% of cases, the model’s predicted risk profile aligns with the assessments made by the credit risk department.
