Zendeci offers an AI-native loan origination platform that both develops credit policies and executes them in real time. The system integrates underwriting, portfolio monitoring, backtesting and impact simulation to replace manual Excel and Tableau workflows, providing automated decisioning, reason codes, and audit trails for consumer credit products.
Funding
Funding not disclosed
Founders
Product
Problem
Consumer credit teams rely on fragmented manual workflows across Excel, Tableau, and ad‑hoc notebooks to develop, test, and monitor loan policies, leading to slow iteration, error‑prone implementations, and delayed response to portfolio drift.
Solution
Zendeci provides an AI‑native loan origination platform that unifies policy creation, backtesting, impact simulation, and real‑time decisioning in a single system. The platform continuously scans portfolio performance, surfaces data‑driven policy recommendations with quantified lift, and automates the translation of approved changes into production rules. Integrated data connectors ingest bureau, cash‑flow, and alternative data sources, while a feature store and model builder enable prompt‑to‑feature generation and model versioning. All decisions are executed by a real‑time engine that supplies reason codes, audit trails, and compliance‑ready override paths, eliminating the need for separate Excel or Tableau processes.
Target Audience
Primary customers are US consumer credit lenders and fintech platforms that originate loans and need an integrated tool for rapid policy development, monitoring, and compliant real‑time underwriting.
Features
- AI Credit Risk Manager that continuously monitors portfolio drift, suggests policy edits, and quantifies expected financial impact
- Data Connector suite with native integrations to Equifax, TransUnion, Plaid cash‑flow data, and support for custom REST or warehouse sources
- Feature Store & Model Builder that transforms natural‑language hypotheses into SQL‑generated features, validates information value, and trains/version models (XGBoost, logistic regression, custom architectures) with full lineage tracking
- Real‑time Decision Engine delivering instant approvals, reason codes, audit trails, and policy versioning with built‑in compliance override paths
- End‑to‑end workflow linking policy development, backtesting, impact simulation, and production deployment within a single workspace