India Mumbai, India · Fintech lending
Redesigning underwriting document review at a lending fintech
A promising document-extraction pilot worked in the demo and stalled on the way to production.
Service: AI-Native Transformation Illustrative case study. Representative of our work and anonymized. It does not name a client, and the outcome is described qualitatively.
The challenge
The lender had a model that could read income and identity documents well in a sandbox, but it was not integrated into the real underwriting flow, had no evaluation, and no one owned it operationally.
What we did
- Rebuilt the underwriting workflow around a clear split between what the model handled and where a human reviewer stayed in the loop.
- Stood up an evaluation harness on real historical documents before shipping anything.
- Integrated into the live system with guardrails, monitoring, and a named owner.
The outcome
Document review moved into production as a monitored system with human review at the points that mattered, and the team had a repeatable pattern to extend to the next document type.