AI-Powered
Transparent Credit
& Intelligent Compliance

Unifying credit decisioning, customer service, and regulatory compliance on a single platform,
delivering precision risk control, explainable decisions, and exceptional efficiency

Core Solutions

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AI Credit Decision Engine

Leveraging big data and machine learning for real-time borrower risk assessment. Advanced algorithms boost risk control accuracy by 30%.

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Explainability & Fairness (XAI)

Using SHAP and LIME technologies to transform complex AI decisions into human-readable, regulator-auditable reasoning logic.

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Real-Time Compliance & Operations Assistant (RegTech)

Real-time monitoring of communications and transaction flows, ensuring 100% compliance with AML/KYC and consumer protection.

Transforming the Highly Regulated Financial Industry

30%+
Risk Control Accuracy Boost
45%
Compliance Cost Reduction
24h
New Loan Officer Onboarding

Opticredito Platform

Transparent, Precise, Efficient AI Financial Intelligence

Our solutions cover credit risk assessment, decision explainability, customer communication compliance, and operational efficiency optimization, propelling your credit business into the AI-driven 4.0 era.

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AI Credit Core Engine

Real-time, high-dimensional precision assessment

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Deep Learning Models

Deploy deep learning/reinforcement learning models for comprehensive prediction enhancement

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Multi-Source Data Integration

Integrate non-traditional data sources to build 360° user profiles

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Graph Neural Networks (GNN)

Adopt GNN technology to identify complex fraud networks

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XAI Black Box Decryption

Building regulator-trusted transparency

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Local Interpretation (LIME)

Generate clear rejection reasons for individual credit decisions, meeting customer transparency needs

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Global Analysis (SHAP)

Quantitatively analyze feature contributions to ensure model fairness and non-discrimination

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Meets Adverse Action Notice requirements and algorithmic audit standards

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Real-Time Compliance Copilot

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Real-Time Communication Monitoring

Automatically flag risk vocabulary to ensure communication compliance

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Automated KYC/AML

Integrate OCR technology for intelligent identity document recognition

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AI Regulatory Intelligence

Real-time tracking of regulatory updates with automatic strategy adjustments

100% Communication Compliance Guarantee
90% Reduction in Manual QA Time

Compliance Assurance System

Four Pillars

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Data Protection
End-to-end encryption / Data classification
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AML/KYC
Automated SAR reporting
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Consumer Protection
XAI-driven fairness auditing
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Real-Time Reporting
One-click regulatory document generation

Key Certifications

System architecture strictly adheres to GDPR/CCPA privacy protection principles

verified ISO 27001 verified SOC 2 Type II
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Our Mission

Eliminate "black boxes" and bias in credit decisions,
building a fairer, more efficient, and more trustworthy financial ecosystem

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Human + AI Collaboration (H+AI)

Our tools are designed to augment rather than replace your team. Through transparent AI decisions and real-time compliance support, we help financial institutions achieve higher operational efficiency while maintaining humanized service.

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Data Security

All system designs follow "Privacy by Design" principles, ensuring data security and compliance

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Business Continuity

Established comprehensive Disaster Recovery (DR) mechanisms, committed to 99.9% system availability

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Join Us in Shaping the Future of Fintech

Innovation-Driven · Transparent & Open · Global Collaboration

What We Offer

payments Competitive compensation & equity
schedule Flexible working hours
school Professional development fund
badge 4 Open Positions
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Chief XAI Engineer

Lead XAI technology R&D, responsible for SHAP/LIME deployment and fairness auditing

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RegTech Platform Development Engineer

Build compliance automation modules, ensuring data security and real-time communication compliance

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AI LOHA Product Manager

Define AI Loan Officer Assistant roadmap, monitor operational KPIs such as FCR/AHT

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AI BPO Operations Manager

Manage AI-powered outsourcing teams, ensuring remote monitoring and operational efficiency

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