Risk
Decisioning

Off-the-shelf (generic) scores are built on broad, cross-industry data and treat every lender the same. Kin's custom credit scoring models are trained on how deals in your own portfolio have actually performed, across asset class, origination mix and obligor history, and tuned to your risk appetite and your rules, so the model is built for your business, not the market average. That's why it captures risk a generic score misses, delivering about +20% predictive power (Gini) over off-the-shelf scores.

Kin clients consistently see measurable gains: roughly a 20% lower default rate, a 30% higher approval rate, and about 20% more predictive power (Gini) than generic scores.

Yes. Kin builds to the model risk management (MRM) standards a bank is held to: full documentation, governance, validation, and ongoing monitoring, so every decision stays consistent, explainable, and defensible for internal audit, model risk teams, and examiners. That framework covers the regimes you report under, including CECL and IFRS 9 (PD, LGD, and EAD models built on your own loss history, with macroeconomic scenarios for forward-looking expected loss), fair-lending requirements, and risk-based pricing. Kin is also SOC 2 Type 2 certified.

Risk-first means the credit decision is treated as a risk decision, not a speed or automation exercise. Rather than force your business onto a generic model or an off-the-shelf score, the decision is sequenced to run on data you can trust: Intake Integrity delivers clean, structured records and Counterparty Risk, Verified confirms who you're dealing with, so whatever reaches the scoring layer has already been verified. The score is built on how deals in your own portfolio have actually performed and shaped to your risk appetite, so the call holds up when the hard cases show up, not just the easy ones. It's intelligence embedded in your operation, sharpened with every deal you fund.