04 · RiskShipped
Credit and onboarding decisioning
Reads trade references, payment history and the way an applicant behaves during onboarding, then recommends a limit and terms with the reasoning attached.
At a glance
- What it replaces
- A credit application that sits in an inbox for four days and a limit set from memory.
- Time to first result
- Same-day recommendations from the first week.
- Data we need from you
- Past applications with outcomes and your current limits.
- Runs inside
- Onboarding form
- ERP
How it runs
A day in the loop.
Each step names what the agent does alone and where it hands off. The hand-offs are the product.
- 01
Read the application
References, history and onboarding behavior scored together.
Agent - 02
Recommend limit and terms
With the reasoning attached, not a bare number.
Agent - 03
Approve the decision
Final limit, terms and any decline are yours.
You - 04
Watch the account
Limit reviewed as payment behavior comes in.
Agent
Control
Where a human stays in the loop.
Default gates for this solution. You can add more. You cannot remove the ones marked required.
- 01required
Final limit and terms approval
- 02required
Any decline or adverse action notice
Scope it
Scope credit decisioning against your data.
Ninety minutes. You bring past applications. You leave with a build estimate and the gates written down.
- No slide deck. We work in your numbers.
- If the agent is the wrong tool, we say so in the room.