AI-Powered B2C Credit Underwriting
Make smarter and more accurate credit decisions. Empower your risk and credit teams to operate autonomously and increase approval rates by leveraging one-click integrations, an intuitive no-code interface, and Oscilar AI.
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Create powerful credit risk workflows with Oscilar AI.
Create Entire Workflows Automatically
Describe your workflow logic in natural language and watch it come to life.
Generate Step Logic Seamlessly
Describe rule evaluation logic in natural language and let Oscilar AI generate complex expressions.
Obtain a true 360 degree view of your users and transactions.
One-Click Connection
Connect your own databases in one click with our powerful and automated database ingestion system.
Oscilar Marketplace
Seamlessly connect to 3rd party data sources by leveraging our 80+ partner marketplace.
Increase approval rates without increasing risk.
Backtest Historical Data
Run backtests in one click to validate new credit policies with historical data before deploying them.
A/B test Easily
Test model performance change on multiple versions of the model with a single click.
Monitor Preferred KPIs
Manage approval rates, default rates and your own custom KPIs with a strong analytics suite.
Balance Prediction & Spend Power
Predict customers’ bank balance for each of the next 30 days.
Pay Prediction
Predicts the date and amount of future paychecks, including both standard and non standard pay (eg. gigs).
Transaction Categorization
Categorizes transactions into pre-defined or user-defined categories (eg. rent, gambling, credit card payment, etc.).
Cash Flow Score
Predicts the probability of customer default, taking into account both customers’ ability to pay and intent to pay.
See Oscilar in action.
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