Banking & specialist lending

Credit decisions are shaped by circumstance as much as by criteria, and the reasoning behind them usually lives in your most experienced people rather than any policy document.

We help you balance what to automate against what to protect - so AI can take on the drudgework without removing the demanding cases that let your next generation of experts sharpen their skills.

Where we get brought in.

Underwriting and credit decisioning

Your best underwriters apply years of hard-earned experience to make good decisions, yet the rationale behind those decisions isn’t written down. We will turn that tacit knowledge into a reusable asset and get it built into the specification.

Comparables and precedent

Say you want a system to surface similar credit decisions for a new application. A platform can build that in days. The hard part is that your credit team can only select comparables based on what they’ve seen before. We make sure you’re not leaving untapped insight and substantive details on the table.

Arrears, vulnerability and bereavement

Bereaved customers shouldn’t have to explain their situation three times to three teams. This is where automation helps most – and where one unhandled case does the most damage. We’ll help you design systems that remove friction and reinforce the right human support at a time when customers could do without the worry of service failures.

Retail and commercial service design

We deliver multi-year programmes embedded inside design and transformation teams that accelerate progress and secure good outcomes. For us, the acid test is whether your people can run the programme after we leave, not how good the handover was.

Risk

In broker-placed specialist lending, cases go to whoever commits first, and a 40-day underwriting cycle was costing the business deals it should have been winning.

Decision

Re-engineer the end-to-end process around where AI could carry volume and where underwriter judgement had to stay.

CASE STUDY

Winning market share by committing faster than the competition.

The way Nile has engaged and partnered and become part of the team is what makes them very, very special.

Outcome

“

Chief Product Officer

91%

faster on simple buy-to-let cases

75%

faster on average

buy-to-let lender of the year

years
running

4

Complex underwriting decisions, especially in B2B settings, can play out over a period of time and a lot of the data primitives driving a lending decision just don’t exist anywhere - they're surfaced in a meeting or a site visit. Successfully introducing automation into that picture requires more than just a technology lens, and that's what we're good at.