Turn reports and application data into an immediate, consistent assessment.
What often requires manual review across several documents can be completed in seconds, and every team works from the same underlying decision.
AI Credit Decisioning
From application to decision — and the offer that fits.
SoyakaAI reads the relevant application, bureau and financial information, applies your institution's rules and returns a clear assessment. When the original request does not fit but the customer remains eligible, it calculates an alternative amount and structure the team can review, adjust and send.
Working proof · One application, through to the offer
Illustrative scenario01 The application
- Monthly income
- SAR 12,000
- Existing obligations
- SAR 1,500/mo
- Bureau score
- 680
- Requested
- SAR 250,000
02 Instant assessment
SAR 250,000 · 4.2% flat · 60 months
- Monthly instalment
- SAR 5,042
- Debt burden
- 54.5%
- Policy ceiling
- 45%
The requested structure does not fit.
03 Matchmaker
Indicative maximum eligible
SAR 193,0004.2% flat · 60 months · instalment SAR 3,892 · debt burden 44.9% · inside the ceiling04 Inline offer builder
Adjustable
- Amount
- SAR 160,000
- Profit rate
- 4.2%
- Term
- 60 months
Recalculated
- Monthly instalment
- SAR 3,227
- Debt burden
- 39.4%
This example selects SAR 160,000—below the SAR 193,000 maximum. Change any input and the instalment and debt burden move with it.
05 Ready to use
Risk memoAuditable rationale for review.
Customer explanationThe same decision in plain language.
Ready to sendSMS, email or your existing CRM.
Illustrative scenario using synthetic figures. Approval authority remains with the institution—nothing here is approved, offered or committed on its behalf.
What this helps you do
Recover viable opportunities by finding an amount and structure that fit.
When the applicant remains eligible and only the requested structure does not fit, Matchmaker can return the maximum eligible amount and a workable alternative within policy—reducing avoidable declines and customer loss.
Give risk, sales and the customer usable outputs from the same decision.
The rationale, risk memo and customer explanation are produced with the decision rather than reconstructed afterwards by three people.
From application to action
How it works
Read what matters and apply your rules
The relevant application, bureau and financial information is assessed against your policy and decision rules.
Find the structure that fits, then let the team adjust it
Where the applicant remains eligible, the maximum eligible amount and a workable alternative are shown within policy—with financing amount, profit rate and duration open to change.
Produce the outputs each audience needs
An auditable rationale and risk memo, a customer explanation and the exact offer prepared for your existing channel. Different explanations, one underlying decision.
How we engage
Start with what you already have
Work can begin as a policy and process review, a project or a batch assessment of applications you already hold, so you can see the decisions and offers before any technology or deployment decision is made. From there, we can add an API, integrate, co-build with your team, deploy on-premise or hand over a complete working module—without replacing your current stack.
FAQ
Questions institutions ask
Does this replace our policy or credit officers?
No. SoyakaAI applies the institution’s policy and rules; approval authority remains with the institution. The credit officer sees the assessment, possible structures and reasoning, and still makes the decision.
Can it find an alternative when the requested amount does not fit?
Often, yes. When the applicant remains eligible and only the requested structure does not fit, it can return the maximum eligible amount within affordability and policy. The team can then adjust the amount, profit rate and duration. A hard policy rule still results in a decline.
Do we need to replace or integrate systems before starting?
No. Work can begin as consultancy, a policy review or a batch assessment. API integration, co-building and on-premise deployment are later options—not conditions for starting.