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.
Innovative banks and fintechs choose Oscilar
Easy Setup & Seamless Integrations
Automate credit underwriting with one-click implementation, real-time data ingestion, and pre-built integrations for KYC, KYB, and financial data sources.
Create Credit Risk Workflows in Minutes with Oscilar AI
Define workflow logic in natural language, and Oscilar AI seamlessly generates step logic and complex expressions—bringing your credit risk workflows to life.
Industry-Leading Credit ML Models, Optimized for Easy Tuning
Leverage AI-powered insights to predict balances, pay cycles, spending patterns, and risk—enhancing credit decisions with precision.
Real-Time Decisioning – Boost Approvals Without Increasing Risk
Make decisions in under 50ms, validate credit policies with one-click backtesting, A/B test multiple model versions, and track approval and default rates—all within a powerful analytics suite.
AI-Driven Portfolio Monitoring & Risk Management
Manage the entire credit lifecycle—from underwriting to portfolio monitoring to collections—with AI-driven automation.
Unified, End-to-End Risk Decisioning Platform
A single, AI-powered solution not only for credit underwriting, but also fraud prevention, AML compliance, and customer onboarding.
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
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.
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