/case-studies / tech-consulting-underwriting
TECHNOLOGY CONSULTING

Transforming underwriting with predictive analysis

client
Lending Institution
industry
Financial Services
services
Consulting · AI / ML
duration
6 months
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// OVERVIEW

Lending Institution — a financial services organisation — engaged Skillikz on underwriting automation: Predictive analysis & open banking transforming underwriting. This case study sets out the business challenge, the AI-led approach we took, the technologies involved and the measurable outcomes delivered over 6 months.

// TECHNOLOGIES
PythonOpen Banking APIsML ModelsPower BIAzure
predictive
analysis
open
banking data
faster
decisions
risk
01 // THE CHALLENGE

Manual underwriting was slow and inconsistent, limiting the lender's ability to grow while managing risk.

02 // OUR APPROACH

We combined predictive analysis with open banking data to automate and de-risk underwriting decisions.

Predictive models for risk assessment
Open banking data integration
Decisioning rules engine
Explainable, auditable outcomes
03 // THE RESULTS

Faster, more consistent underwriting decisions with better risk visibility — enabling growth.

Underwriting is faster and more consistent, and we understand risk far better.

Head of Credit · Lending Institution
// HOW WE'D DELIVER THIS TODAY

The AI services behind this outcome

A project like this draws on a focused set of Skillikz services — from first assessment to a working pilot and a clear path to scale.

// MORE WORK
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