Reimagining Credit Underwriting with Agentic AI : Real-Time Decisions, Transparent Scoring, and Inclusive Automation
Sankara Reddy Thamma · International Journal of Scientific Research in Computer Science Engineering and Information Technology · 2024
Agentic Artificial Intelligence (AI) is redefining how we approach credit underwriting—making it faster, fairer, and more transparent. In this paper, we present a modular agent-based architecture designed for real-time lending decisions that prioritize ethical reasoning and regulatory alignment. Our system increased approval rates for underserved borrowers by 35%, cut decision latency from 48 hours to under 3 minutes, and achieved a 92.3% AUC in default prediction. We walk through the full stack—from data pipelines and multi-agent design to case studies and evaluation metrics—and share practical strategies for governing AI in financial services responsibly.