Kevin Nguyen

How we introduced LLMs into credit decisioning

Over the past nine months we've built and deployed an AI-assisted credit assessment system that's now used in production to help credit assessors process home loan applications. More importantly, it was signed off by our founders and risk underwriters.

Starting from a simple assumption, the same application should receive the same outcome regardless of who assesses it, we treated the problem as an engineering challenge. Which parts of the assessment could be made deterministic? Where could an LLM safely assist? And how do you design the system so it doesn't depend on the next model release to become safe?