Ether AI Underwrite

World class big data + AI platform for transforming credit decision across the credit lifecycle by consistently improving approval rates by 15-40% and bringing down loss rates by 10-25%. Data-Modeling-Strategy-Implementation cycle comes down to weeks from current 12 Months+

Incremental “Lift” created from three key areas of expertise

1. Feature Space – Bureau/Non-Bureau

• Use of non-Bureau / alternate data sources as well as deep tradeline data for credit decisions
• Prebuilt powerful predictor library based on 100+ yrs. of credit experience
• Preceded features that drive better credit decisioning based on client insight across engagements

2. Unique AI methodology

• Unique neural network modelling methodology to improve credit decisioning for applicants at the “margin”
• Superior model performance leveraging AI in champion/challenger with “lift” in the 10-25% range
• Models are FCRA compliant and meet explainability requirements

3. Integrate into existing bank processes real-time; plug & play SaaS solution:

• Full lifecycle solution which integrates into real time and batch process of the bank
• Performance which scales to requirements based on tech. architecture
• Prebuilt predictors & models in platform for rapid deployment & ROI
• Flexibly configure risk appetite of bank using Strategy Builder
• Advanced visualization and reporting

Low latency, scalable, cutting edge AI-ML platform, which delivers exponential results, leveraging our deep domain expertise