AI Credit Risk Scoring & Underwriting Software
From application to disbursement — without the guesswork.
Octopus Credit Rating combines a configurable rules engine with AI-powered scoring, multi-bureau credit blending, automated term sheet generation, and e-signature workflows to turn a manual, days-long underwriting process into a sub-minute decision engine. Together with Predictive Risk, it acts as a credit risk intelligence layer across your lending book.
See Credit Rating live
30 minutes with Dr. Santarvis — on your data, your challenge.
What you achieve
How it works
Apply
Borrower data flows in from your origination system or Data Intelligence layer.
Score
Octopus applies your rules engine, bureau data, and AI PD model to produce a credit grade (AAA to D).
Offer
Automated term sheet is generated with rate, tenor, and collateral requirements based on the credit grade.
Close
E-sign workflow sends offer to borrower. Disbursement is triggered on acceptance.