AI Agent AI-Powered Credit Risk & Loan Origination Platform Active

Credit Scoring Agent

View Core Logic Back to Worker

Parent Worker AI-Powered Credit Risk & Loan Origination Platform

Agent ID

credit-scoring

Portal Nexgile-HumanEdgeAI Nexus - Total Benefits Solution

Sector Human Resources Technology (HRTech) / Benefits Administration

Status

Operational

Problem Statement

The challenge addressed

Credit assessment requires pulling reports from multiple bureaus, running various score models, analyzing credit history depth, and incorporating alternative data sources for thin-file applicants.

Core Logic

How the agent solves it

Performs tri-bureau credit pulls (Experian, Equifax, TransUnion), calculates FICO 9 and VantageScore 4.0, runs proprietary XGBoost ML model with 156 features, analyzes 7+ years of credit history, calc... Performs tri-bureau credit pulls (Experian, Equifax, TransUnion), calculates FICO 9 and VantageScore 4.0, runs proprietary XGBoost ML model with 156 features, analyzes 7+ years of credit history, calculates utilization ratios and payment behavior metrics. Integrates Plaid cash flow analysis and rent payment history as alternative data. Provides SHAP-based explainability for internal model predictions.

System Navigation

Explore related components

Portal

Nexgile-HumanEdgeAI Nexus - Total Benefits Solution

Digital Worker

AI-Powered Credit Risk & Loan Origination Platform

Current Agent

Credit Scoring Agent

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