Crux AI Credit Modelling Platform enables banks, fintechs, and lenders across Saudi Arabia to build, validate, and deploy production-grade credit scorecards in hours — not months.
From application risk through behavioural portfolio monitoring to collections optimisation — all powered by advanced AI and built for regulatory-grade transparency. Fully aligned with IFRS 9, Basel standards, and Saudi Arabia's Vision 2030 digital transformation goals.
Application, Behavioural, and Collection scorecards — built, deployed, and monitored from a single unified AI platform. Trusted by financial institutions across Saudi Arabia and the GCC.
Assess new applicants instantly with AI that processes 100+ variables across financial, behavioural, and alternate data — approving more creditworthy borrowers safely and at speed.
Continuously re-score existing customers using live transaction data. Detect stress signals 60+ days before default and act before losses materialise across your portfolio.
Predict cure probability for every delinquent account and automatically assign the optimal recovery strategy — increasing recovery rates by 30%+ while cutting operational cost.
Faster model development vs. legacy scorecard methods
Average AUC accuracy across deployed Crux scorecards
Average time from data upload to live scorecard in production
Deployment SLA — from validated model to live API decisioning
Trusted by financial institutions across Saudi Arabia and the GCC. Results benchmarked across consumer and SME credit portfolios.
Model Performance — Variable Importances
Application Scorecard v4.1 · Production · Saudi Arabia
A complete AI and traditional modelling toolkit that accelerates every stage of the credit risk lifecycle — without needing a large data science team or lengthy IT sprints.
Built for KSA banks and fintechs — fully aligned with SAMA supervisory expectations, IFRS 9 provisioning, and Saudi Arabia's Vision 2030 digital transformation mandate.
Connect internal, bureau, and alternate data sources. AI-powered imputation, bias reduction, and automated variable derivation included — out of the box, with zero manual engineering.
Build scorecards for consumer and SME credit in hours using ensemble ML, deep learning, and traditional WoE logistic regression — with 100+ auto-derived features and auto-benchmarking.
Fine-tune 20+ model parameters — binning strategies, PD calibration, variable selection thresholds — all from a no-code interface. Business teams stay in full control.
Switch between traditional logistic regression, ensemble ML, or a hybrid blend. Interpretability for regulators, accuracy for the business — your choice, always.
What competitors build in 9–12 months, the Crux AI platform delivers in a single day — with full validation, explainability, and regulatory documentation included.
Purpose-built for KSA banks and fintechs — from regulatory alignment to GCC market dynamics and Vision 2030 digital transformation priorities.
Powerful AI meets a zero-code interface. Any credit analyst — with or without a data science background — can build, validate, and deploy production-grade scorecards without writing a single line of code. Drag-and-drop clarity backed by enterprise-grade intelligence.
Enterprise-grade security and full compliance baked in from day one — meeting SAMA, IFRS 9, and Basel requirements.
Connects to your existing LOS and technology stack within weeks via a clean, documented REST API.
Every model decision is transparent, auditable, and fully documented — ready for SAMA supervisory review.
From Saudi fintech startup to tier-one bank — the platform scales without switching vendors or losing modelling speed.
Deploy on public cloud, private cloud, or fully on-premise. Your model intellectual property remains yours, always.
An AI credit modelling platform enables financial institutions to build predictive scorecards using machine learning and statistical modelling techniques. It automates feature engineering, model validation, monitoring, and deployment — reducing development time from months to hours while improving predictive accuracy and maintaining full regulatory explainability.
Unlike traditional scorecard development — which requires specialist data scientists, months of manual feature engineering, and separate validation teams — a modern AI credit modelling platform like Crux automates the entire lifecycle. This enables Saudi Arabia's banks, fintechs, and digital lenders to build IFRS 9-aligned and Basel-compliant models at the speed the market demands.
Every Crux product is connected. Use one or use all — the Credit Modelling Platform is the foundation layer that powers every scorecard and decision across the ecosystem.
See how the Crux AI Credit Modelling Platform helps Saudi Arabia's leading financial institutions build smarter, faster, and more accurate credit models — in a focused 30-minute strategy session.
Join financial institutions across KSA and the GCC already making better credit decisions with Crux.