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AI CREDIT UNDERWRITING

Credit risk ops built for the AI era.

Credit risk ops built for the AI era.

Credit risk ops built for the AI era.

Credit risk ops built for the AI era.

The next generation of AI Risk Decisioning™ is here. Approve more customers faster with Oscilar, and restore your risk team's sanity.

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Leading banks and fintechs trust Oscilar

FEATURES

Why top banks and fintechs choose Oscilar for credit underwriting

Financial institutions are outgrowing traditional risk management solutions.

FEATURES

Why top banks and fintechs choose Oscilar for credit underwriting

Financial institutions are outgrowing traditional risk management solutions.

FEATURES

Why top banks and fintechs choose Oscilar for credit underwriting

Financial institutions are outgrowing traditional risk management solutions.

FEATURES

Why top banks and fintechs choose Oscilar for credit underwriting

Financial institutions are outgrowing traditional risk management solutions.

More holistic risk view. Manage the entire credit lifecycle—from underwriting to portfolio monitoring to collections—with safe and reliable AI automation.

Improved agility. Low-code and no-code workflow editing means reduced engineering dependency, so you can make changes and see results faster.

AI-native architecture. Built by ML experts with decades of large-scale data engineering, and designed from the ground up to manage risk in the era of AI.

More Reliable Support. Our experts are here for you. Oscilar offers white-glove customer success packages to get you up and running in weeks, not months or years.

Improved performance. Make decisions in under 100ms. A/B test multiple model workflow versions and validate credit policies with one-click backtesting.

AI-driven time savings. Define credit risk workflow logic in natural language, and Oscilar AI seamlessly generates step logic and complex expressions.

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current state

The Challenge with Legacy Risk Platforms

Yesterday’s security wasn’t built for today’s sophisticated threats. The rising ubiquity and quality of AI tooling has enabled a new suite of very sophisticated fraud tactics. Unprepared businesses are overexposed to these vulnerabilities, leaving legacy fraud solutions insufficient.

current state

The Challenge with Legacy Risk Platforms

Yesterday’s security wasn’t built for today’s sophisticated threats. The rising ubiquity and quality of AI tooling has enabled a new suite of very sophisticated fraud tactics. Unprepared businesses are overexposed to these vulnerabilities, leaving legacy fraud solutions insufficient.

current state

The Challenge with Legacy Risk Platforms

Yesterday’s security wasn’t built for today’s sophisticated threats. The rising ubiquity and quality of AI tooling has enabled a new suite of very sophisticated fraud tactics. Unprepared businesses are overexposed to these vulnerabilities, leaving legacy fraud solutions insufficient.

current state

The Challenge with Legacy Risk Platforms

Yesterday’s security wasn’t built for today’s sophisticated threats. The rising ubiquity and quality of AI tooling has enabled a new suite of very sophisticated fraud tactics. Unprepared businesses are overexposed to these vulnerabilities, leaving legacy fraud solutions insufficient.

Identity Spoofing

Perfect replicas of legitimate devices make traditional fingerprinting ineffective

Identity Spoofing

Perfect replicas of legitimate devices make traditional fingerprinting ineffective

Identity Spoofing

Perfect replicas of legitimate devices make traditional fingerprinting ineffective

Identity Spoofing

Perfect replicas of legitimate devices make traditional fingerprinting ineffective

Behavior Mimicking

Hybrid AI-Human mimics real users patterns defeating traditional behavioral biometrics

Behavior Mimicking

Hybrid AI-Human mimics real users patterns defeating traditional behavioral biometrics

Behavior Mimicking

Hybrid AI-Human mimics real users patterns defeating traditional behavioral biometrics

Behavior Mimicking

Hybrid AI-Human mimics real users patterns defeating traditional behavioral biometrics

Malicious Gen AI

AI generates novel attacks that learn and adapt in real-time, bypassing traditional defenses

Malicious Gen AI

AI generates novel attacks that learn and adapt in real-time, bypassing traditional defenses

Malicious Gen AI

AI generates novel attacks that learn and adapt in real-time, bypassing traditional defenses

Malicious Gen AI

AI generates novel attacks that learn and adapt in real-time, bypassing traditional defenses

OUR APPROACH

We think there's a better way.

Unify your risk ops on one intelligent platform, built with AI designed to help your risk team succeed.

OUR APPROACH

We think there's a better way.

Unify your risk ops on one intelligent platform, built with AI designed to help your risk team succeed.

OUR APPROACH

We think there's a better way.

Unify your risk ops on one intelligent platform, built with AI designed to help your risk team succeed.

OUR APPROACH

We think there's a better way.

Unify your risk ops on one intelligent platform, built with AI designed to help your risk team succeed.

Onboarding

Safely grow your customer base and approve more of the right users by leveraging AI.

RESULT

60% faster approvals

Credit

Empower your risk and credit teams to operate autonomously and increase approval rates.

RESULT

40% better accuracy

Fraud

Stop complex fraud before it happens with industry-leading device and behavioral intelligence.

RESULT

85% loss reduction

Compliance

Uplevel your compliance operations and accelerate investigations, SAR filing, reporting and governance.

RESULT

90% fewer false positives

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powerful integrations

Get a 360° view of your customer

Oscilar brings all your data together so you can obtain a true 360 degree view of your users and transactions. Say goodbye to fragmented databases or incomplete customer profiles.

Connect your databases in one click with Oscilar’s automated ingestion system

Access 80+ third-party data sources seamlessly through the Oscilar Marketplace

a graphic illustration displaying representations of many 3rd party data integrations that oscilar supports, including Slowflake, Plaid, IDology, and more.
a graphic illustration displaying representations of many 3rd party data integrations that oscilar supports, including Slowflake, Plaid, IDology, and more.
a graphic illustration displaying representations of many 3rd party data integrations that oscilar supports, including Slowflake, Plaid, IDology, and more.
a graphic illustration displaying representations of many 3rd party data integrations that oscilar supports, including Slowflake, Plaid, IDology, and more.
A graphic illustrating the Oscilar AI workflow generation feature, allowing a user to chat with Ai in natural language to build decision workflows.
A graphic illustrating the Oscilar AI workflow generation feature, allowing a user to chat with Ai in natural language to build decision workflows.
A graphic illustrating the Oscilar AI workflow generation feature, allowing a user to chat with Ai in natural language to build decision workflows.
A graphic illustrating the Oscilar AI workflow generation feature, allowing a user to chat with Ai in natural language to build decision workflows.
Ai workflows

Build powerful decision workflows

Create powerful credit risk workflows with Oscilar AI. Generate step logic seamlessly by describing rule evaluation in natural language, and let Oscilar AI build complex expressions.

Watch your workflows come to life automatically by describing your logic in natural language

Deploy fine-tuned models that have been built specifically for credit decisioning workloads

smart testing and analytics

Increase approval rates without increasing risk

Monitor approval rates, default rates, and custom KPIs with a robust analytics suite. Gain deep insights quickly with AI-powered dashboards and reports that help you iterate and evolve your processes.

Backtest historical data with one click to validate new credit policies before deployment

Define and monitor preferred KPIs such as approvals rates, defaults, or other company-specific metrics

A graphic illustrating the Oscilar AI workflow generation feature, allowing a user to chat with Ai in natural language to build decision workflows.
A graphic illustrating the Oscilar AI workflow generation feature, allowing a user to chat with Ai in natural language to build decision workflows.
A graphic illustrating the Oscilar AI workflow generation feature, allowing a user to chat with Ai in natural language to build decision workflows.
A graphic illustrating the Oscilar AI workflow generation feature, allowing a user to chat with Ai in natural language to build decision workflows.

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FEATURES

Your risk team will thank you.

Give your risk experts the tools they need to work smarter.

FEATURES

Your risk team will thank you.

Give your risk experts the tools they need to work smarter.

FEATURES

Your risk team will thank you.

Give your risk experts the tools they need to work smarter.

FEATURES

Your risk team will thank you.

Give your risk experts the tools they need to work smarter.

One-Click Backtesting

Easily verify new rule performance against your historical data.

One-Click Backtesting

Easily verify new rule performance against your historical data.

One-Click Backtesting

Easily verify new rule performance against your historical data.

One-Click Backtesting

Easily verify new rule performance against your historical data.

AI Workflow Assistance

Rapidly draft entire workflows using natural language.

AI Workflow Assistance

Rapidly draft entire workflows using natural language.

AI Workflow Assistance

Rapidly draft entire workflows using natural language.

AI Workflow Assistance

Rapidly draft entire workflows using natural language.

Rule Recommendations

AI evaluation proactively suggests improvements for you.

Rule Recommendations

AI evaluation proactively suggests improvements for you.

Rule Recommendations

AI evaluation proactively suggests improvements for you.

Rule Recommendations

AI evaluation proactively suggests improvements for you.

Comprehensive Analytics

Easily define and track your own KPIs with customizable dashboards.

Comprehensive Analytics

Easily define and track your own KPIs with customizable dashboards.

Comprehensive Analytics

Easily define and track your own KPIs with customizable dashboards.

Comprehensive Analytics

Easily define and track your own KPIs with customizable dashboards.

Tailored ACH Pull Dates

Automatically adjust collection pull dates to optimize recovery.

Tailored ACH Pull Dates

Automatically adjust collection pull dates to optimize recovery.

Tailored ACH Pull Dates

Automatically adjust collection pull dates to optimize recovery.

Tailored ACH Pull Dates

Automatically adjust collection pull dates to optimize recovery.

Advanced Credit ML Models

Models built for balance prediction, transaction categorization, and more.

Advanced Credit ML Models

Models built for balance prediction, transaction categorization, and more.

Advanced Credit ML Models

Models built for balance prediction, transaction categorization, and more.

Advanced Credit ML Models

Models built for balance prediction, transaction categorization, and more.

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COST SAVINGS

70%

70%

MONTHLY DECISIONS

25,000+

25,000+

"Oscilar is really that next generation of decision modeling. They started fresh with how it should be."

"Oscilar is really that next generation of decision modeling. They started fresh with how it should be."

Alex Nuth

Alex Nuth

Chief Digital Product Officer

Chief Digital Product Officer