No. 002

GenAI MSME Underwriting

AIStrategy

Seen/ Senior Consultant · 2025

Project entry

Moves

• Score the Risk

  Built a credit-scoring approach on alternative data for MSME borrowers without a conventional credit history.

• Draft the Paper

  Generated draft loan agreements and covenants tailored to each borrower's risk profile, not a generic template.

• Keep a Human in the Loop

  Framed the output as a draft for review, never an automatic decision.

• Pitch It Up

  Presented the working proof of concept to leadership as a concrete case for where GenAI could sit in the underwriting workflow.

Outcome

Leadership saw a working, credible alternative to manual underwriting, moving the conversation from whether GenAI belonged in underwriting to where, specifically, it should sit.