Verde Aurora
Credit decisioning and offer optimization
Automated, AI-driven loan decisions with offer optimization that find “the best yes” in seconds, replacing underwriting queues that once took days. Delivered as REST API services into your origination stack, as Verde SaaS for underwriter and credit committee workflows, or both. Models are static, reviewable, and re-validated on your schedule. Full regulatory compliance; no black boxes.
Industry-best predictive models
- Account-level pro forma monthly statements with IFRS 9 loan-life projections
- PD, LGD, EAD, default timing, time to repay, cash flows, ROA, and NPV on each decision
- Considers products, loan/deposit history, customer data, bureau files, market trends, and more
- Full model validation reports for internal review and regulatory approval
- Models continually monitored for performance, but only modified when you schedule
- On average, 2-5x more accurate than industry's next-best competitors
Fair lending with unrivaled results
- Instant optimized offers and counter-offers aligned to your objectives
- Reason codes and weights on each decision; confidence and accommodation scoring
- Inclusion, fairness, and disparate-impact testing with decision adjustments where required
- Big Data inputs and lender decision rules across financial, customer, account, and market data
Transparent confidence
Aurora monitors portfolio composition, applies your capital allocation and risk-adjusted cost of capital, and scores relationship value (deposits, loans, and broader banking relationships).
Aurora's models use the same econometric core -- debt and liquidity ratios, reserves, capital, and cash flows -- simulating facility structure, expected payment, and exposure profitability before you make a decision.
- Scores applications with missing data and prompts for next-best data pulls
- Triggers collection of additional data when appropriate
- Auto-checks for input errors, inconsistent values, and fraud indicators
- Pushes alerts to your loan origination system
- Risk-based pricing aligned to your objectives
- Expected loss, base rate, and premium logic with visible overrides
- Relationship-level profitability for each customer
- Credit policy and risk acceptance checks with direction on internal and regulatory breaches
- Financial analysis summaries for credit memo and committee review
- Granular stress testing and sensitivity interfaces on every request
- Dynamically adjust functional costs, COF, and capital assumptions in real time
Adopt at your pace
Aurora allows you to set different products and segments at different automation stages simultaneously. Flexible, configurable automation empowers managers to step in and override while model confidence grows.
- 1
Second look
Route select applications through Verde models for parallel review. No change to customer-facing policy until you're ready.
- 2
Rule-based decisions
Blend your existing policy with Verde scores and analytics on select segments. Managers retain override.
- 3
Full comparison
Evaluate conventional vs Verde recommendations side-by-side, with reporting for credit committees.
- 4
Exception detection
Automated flagging of outliers and policy violations. Targeted human review rather than manual full-file review.
- 5
Full automation
Optimized decisions start-to-finish, where governance allows. Verde solutions let managers override, ignore, or guide at any step.
Prove it on your portfolio
The question we hear most is whether Verde models work in your market, on your products, with your data. The most effective answer is to run a backcast pilot on your historical book. This gives you hard, statistical evidence of what custom Verde models would have meant for your customers, your outcomes, and your bottom line.
Verde tailors behavioral and econometric models to each institution, segment, and product. Pilots use the same discipline as our production builds. Models stay static, algebraic, and fully explainable, with reason codes and validation reports your credit committee, model risk team, and regulators can interrogate and understand.
- Discovery with your teams: Goals, products, policies, practices, and data landscape
- Agree on test proposal: Segments, products, and thresholds that matter most to you
- Gather data: Guide your data team on sources worth capturing, recovering, or improving
- Stratify data: Evaluate a historical sample across time, segment, and geography
- Build pilot models, review/validate performance, get account-level scores and analytics
- Chart path to production deployment when your teams are ready
Integrate with your systems
Connect Aurora to your loan origination system or digital channels via API, use Verde SaaS for review and policy testing, or pair with Verde Corona when you want capture, workflow, and booking in one platform.