5. Zoom In: What This Looks Like Per Applicant (CreditUplift™)

CreditUplift™ is the per-applicant lens that turns portfolio insights into clear decisions. For every person, it shows: profile, what the original decision missed, what our model saw, and the recommended action (approve, reroute, or reject) with the business and risk rationale. Below are four anonymized cases that mirror the four decision patterns we see most often.

Case 1 — ❌ Rejected by Client → ✅ Approved by SoyakaAI (AutoGreen™)

Snapshot

Employed five years, stable income, no recent delinquencies. Bureau score modest. DBR slightly above an internal threshold. Requested a reasonable amount with a short tenor.

Why the client rejected

A rigid SIMAH/bureau cutoff and a flat DBR rule created a hard “no,” sending an otherwise clean profile to rejection.

What our model saw

• Strong stability signals (tenure, income regularity, clean repayment recent history).

• DBR edge case offset by high disposable income and conservative requested amount.

• Low risk band after re-weighting factors specific to the client’s book.

Recommendation

Approve via AutoGreen™ with standard rate and limits, no manual review.

Business impact

Immediate safe revenue and a high-quality customer acquired with zero underwriting overhead. Future cross-sell potential flagged.

Case 2 — ✅ Approved by Client → ❌ Rejected by SoyakaAI

Snapshot

High bureau score but multiple historical defaults two years back; heavy revolving utilization; recent short-term inquiries climb. DBR acceptable.

Why the client approved

Top-line score and DBR looked fine; no second-order checks for recency and stack-up risk.

What our model saw

• Negative drivers: clustered inquiries, high utilization, prior defaults still predictive for this segment.

• Behavioral pattern consistent with payment stress and likely early delinquency.

Recommendation

Decline for unsecured credit. Provide CreditEducator™ advice: reduce utilization, season inquiries, and reapply in 90 days.

Business impact

Avoided an approval that would likely migrate to non-performing status, protecting loss budget and collections workload.

Case 3 — 🟡 Manual Review by Client → ✅ Approved by SoyakaAI (FlexTier™)

Snapshot

Middle-income salaried applicant. SIMAH score average. DBR high due to existing commitments. Requested a mid-size loan.

Why the client parked in review

The file lived in the “maybe” bucket: not clean enough for instant approval, not bad enough to reject.

What our model saw

• Solid employment continuity and stable inflows.

• High DBR primarily driven by short-term liabilities that amortize within months.

• Risk acceptable if exposure is capped and tenor shortened.

Recommendation

Approve via FlexTier™: smaller principal, shorter term, slightly higher price; set usage and payment guardrails.

Business impact

Converts a stalled application into safe revenue while reducing exposure. Portfolio health improves because the structure matches risk capacity, not a one-size-fits-all offer.

Case 4 — 🟡 Manual Review by Client → ❌ Rejected by SoyakaAI (SmartRescue™ Fallback)

Snapshot

Irregular income pattern (contracting work). Several late payments in the last 12 months. DBR moderate. Requested long tenor.

Why the client hesitated

Mixed signals: acceptable DBR and reasonable ask, but sporadic cash-flow and recent lateness made underwriters uncertain.

What our model saw

• Volatile inflows and elevated recent delinquency risk.

• Long tenor misaligned with earnings volatility.

• Probability of short-term arrears above the client’s risk appetite.

Recommendation

Do not approve unsecured credit now. Offer SmartRescue™ fallback (prepaid/secured product) plus CreditEducator™ steps: stabilize inflows, demonstrate three on-time cycles, then reassess.

Business impact

Protects the loss line while still monetizing the relationship today and creating a path back to credit once signals improve.

Why these stories matter

• Transparency: Each decision shows why — the exact drivers behind the call — so your team can stand behind it with auditors, boards, or regulators.

• Speed: The recommendation is live at the moment of review; there’s no waiting for committees.

• Consistency: Every applicant is treated with the same logic, cutting bias and error.

• Uplift: Approvals increase where risk is genuinely low; declines become teachable moments; medium-risk becomes structured, profitable business.

Coming Next:

6. The 1-2-3™ Framework — How You Can Have This in Days.

We’ll walk through the One Day → One Week → One Minute journey so your team can move from files to live, explainable decisions without integrations or long projects.