Octopus
Module 02 — AI Scoring

Predictive Risk

Know who will default before they do.

Octopus Predictive Risk uses Gemini-powered AI to compute probability of default (PD), loss given default (LGD), repayment behaviour predictions, and macro-adjusted risk tiers for every entity in your portfolio — in real time. Stop relying on lagging indicators. Start acting on forward-looking intelligence.

Book a demo

See Predictive Risk live

30 minutes with Dr. Santarvis — on your data, your challenge.

What you achieve

PD / LGD scores with plain-English AI explanations
Repayment behaviour and cash flow trajectory modelling
Macro-economic overlay — inflation, rate moves, sector shocks
Risk tier migration alerts before a borrower downgrades
Counterfactual "what-if" scenario analysis

How it works

01

Ingest

Pull borrower / entity data from your Data Intelligence layer or upload a batch.

02

Score

Gemini AI runs your configured PD model against the entity, factoring in macro overlays and historical patterns.

03

Explain

Every score comes with a natural-language rationale, key risk drivers, and suggested mitigating actions.

04

Alert

Set threshold-based alerts so your risk team is notified the moment a score crosses a configured boundary.

Who uses Predictive Risk

Loan approval workflows
Early warning systems
Capital adequacy planning