Customer Credit Risk Agent

Deloitte’s AI-enhanced Credit Risk Management Workflow can transform the way credit risk is managed, facilitating efficiency, accuracy, and compliance across the entire lifecycle. This solution leverages intelligent agents to automate and optimize each step, from new customer onboarding to reporting and compliance.

Key Steps and Enhancements:

New Customer Onboarding: AI automatically pulls credit reports, analyzes financial health, and recommends initial credit limits.

Credit Score Calculation: AI uses ML models to predict default probability and optimize scoring algorithms.

Credit Limit Assignment: AI recommends optimal limits balancing risk and sales opportunity.

Continuous Monitoring: AI continuously scans for risk signals and triggers alerts for deteriorating credit.

Early Warning Detection: AI predicts future payment issues using pattern recognition and external signals.

Credit Hold Management: AI automatically manages holds and suggests release conditions.

Risk Mitigation Actions: AI recommends specific actions like shorter terms, guarantees, or prepayment.

Portfolio Analysis: AI provides real-time portfolio risk dashboards and concentration alerts.

Credit Review Process: AI triggers dynamic reviews based on risk changes rather than fixed schedules.

Bad Debt Prediction: AI predicts bad debt using advanced analytics and scenario modeling.

Collections Prioritization: AI optimizes collection priority based on expected recovery value.

Reporting & Compliance: AI automates report generation with predictive insights and trend analysis.

Benefits:

Operational Efficiency: Reduces manual effort and accelerates processing times.

Accuracy: Enhances data extraction and validation accuracy.

Compliance: Determines adherence to policies and regulations.

Financial Stability: Improves risk detection and mitigation timeliness.

By embedding AI into routine tasks, Deloitte’s solution not only boosts productivity but also frees up human talent for strategic innovation. It’s a future-ready platform that brings together AI, automation, and human oversight into a cohesive, high-impact solution.

This professional service utilizes Amazon Bedrock, Bedrock Agents, Strands Agents, Lambda and OpenSearch.