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AI-Powered Credit Underwriting

Increase Approval Rates Without Increasing Risk

Leverage one-click integrations, an intuitive no-code interface, and Oscilar AI to empower your risk and credit teams to operate autonomously and increase approval rates.

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Innovative banks and fintechs choose Oscilar

benefits

Make your credit risk operations 10x more efficient

Empower your risk and credit teams to operate autonomously and increase approval rates. Leverage one-click integrations, an intuitive no-code interface, and Oscilar AI.

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

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

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"Oscilar got us faster time to market and a much more efficient analyst team. Our analysts now save a ton of manual effort due to Oscilar's no-code automation and no longer depend on engineers to change risk policies. The best part — we went live in less than a quarter."

"In previous experiences, making even small changes took us 4 weeks with engineering, involving multiple sprints for a simple credit optimization. Now, we can do it in an hour or less. We’re currently processing hundreds of applications quickly, which really shows how effective Oscilar has been. The system works flawlessly, and has been a game changer for us."

Henry Shi

Co-Founder

Henry Shi

Co-Founder

END-to-end visibility

Built to manage the entire customer journey.

Oscilar makes it easy to manage your customer profiles from start to finish, so you never miss important risk signals.

Credit underwriting

Create powerful B2B and B2C credit workflows that increase approval rates while reducing risk & defaults.

Portfolio monitoring

Monitor, analyze, and optimize credit portfolios proactively to balance risk and maximize returns.

Collections

Manage and recover debt efficiently while maintaining positive customer relationships and trust.

the oscilar Platform

A unified solution for the AI era.

Eliminate fragmentation with a single platform to unify your credit, onboarding, fraud, and compliance workflows. Use Oscilar AI to empower your teams to make smarter, faster risk decisions.

Onboarding

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

Credit

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

Fraud

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

Compliance

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

Ready to supercharge your credit underwriting process?

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