Decisions in seconds
Vector runs every credit application through a fully automated pipeline in real time. No manual review queues, no waiting. Your borrowers get an answer while they're still engaged.
Approve the right borrowers. Every time.
Vector is our AI and ML-powered underwriting engine built to approve, score, and offer borrowers with speed and precision your risk team will trust.
What Vector does
Underwriting built on real intelligence
Vector combines risk management, artificial intelligence, machine learning, security engineering, and data engineering to give your risk team a decisive edge in seconds.
ML credit scoring
Our scoring models are trained on real lending data, incorporating new data, behavioral signals, and alternate data sources to predict repayment probability.
Smarter over time
Across every portfolio Vector improves continuously with new data sources, consolidated bureau information, and model refinements informed by patterns across our lending network. An in-house model stays frozen. Yours keeps getting better.
Built for your credit policy
Every lender operates differently. Vector is configured to your specific risk thresholds, loan products, and eligibility rules to reinforce your policy at scale.
Bank transaction format agnostic
Whether you use direct bank connectivity tools like Mono, statement parsing tools like MBS or just plain old bank statement pdf uploads, Vector is capable of handling and interpreting all data in seconds.
Audit-ready decision logs
Every decision is logged with the data points, rules applied, and score breakdown so your risk and compliance teams always have a clear audit trail.
See it in action
A credit decision, start to finish
Watch Vector take an application from raw bank data to a decision your risk team can stand behind.
APP-20481Amina O.Requested ₦850,000 · 6 months
Illustrative demo- Bank statement parsed
- Income verified
- Bureau check
- Credit policy rules
Vector score—
Approved₦850,000 over 6 monthsDecision in 28s
Average time from application to approval
Of decisions logged with a full score breakdown