Agentic lending operations

Model

A paper family micro-lender lost ground to digital lenders undercutting rates; overhead made competing impossible.

• Philippines
• Paper process → agents
• profitable again

I worked through every process in person. Collectors know borrowers physically and socially, reading households no credit file can.

I built credit risk assessment, loan management and bookkeeping agents; every remaining human hour goes to collections and text and photo field capture. The company is profitable again, lending to underbanked borrowers digital lenders cannot assess.

Like COURT, it keeps unwritten expert judgment human, automating everything around it. Client work; no public link.