AI Powered

Credit Risk Assessment

For Saudi Lenders

Taqyeem delivers real-time credit scoring, localized Saudi data, and Sharia-compliant risk models so you can approve the right customers with confidence.

Key benefits

Make smarter credit decisions in minutes

Taqyeem combines AI, Saudi-specific data, and deep risk expertise to streamline credit approvals while remaining aligned with internal policies and Saudi regulatory expectations.

Faster credit decisions

Automate credit assessments to move from application to decision in seconds, reducing manual reviews and turnaround times across lending teams.

< 10s decision engine

Localized Saudi data

Leverage Saudi-specific data signals to score customers more accurately within the Kingdom’s regulatory, economic, and behavioral context.

Saudi-context scoring

Regulatory-ready reports

Generate transparent, explainable credit decisions with reports designed for internal audit, governance, and regulatory review.

Audit friendly decisions

Fraud & default detection

Detect early signs of stress, fraud, and potential default using AI-driven behavioral patterns and portfolio-level monitoring.

Early warning signals

The Complete Credit Lifecycle

Automating the credit decision journey from initial company profiling to final repayment structuring

Company Profile

Capture structured data, ownership details, and operational footprint

Qualitative Check

Assess management quality, governance, and market position

Quantitative Analysis

Analyze financial statements, ratios, and cash flow metrics

Credit Facilities

Map existing limits, proposed terms, and exposure analysis

AI Credit Rating

Generate transparent, explainable scores with AI models

RAC Validation

Validate against risk acceptance criteria and policy thresholds

Eligibility

Automate eligibility determination based on configured rules

Repayment Plan

Structure repayment schedules aligned with cash flows

FULL CONFIGURABILITY

Control the Rules without Writing Code

Adjust scoring weights, qualitative criteria, and RAC thresholds instantly. Our no-code admin panel puts the power in the hands of risk officers, not developers.

✓Manage scoring rules and weights dynamically
✓Configure RAC thresholds and eligibility logic
✓Audit-ready change logs and versioning

Where Our AI Adds Real Risk Intelligence

Explainable AI models power every stage of your workflow from financial data ingestion to RAC checks, SME guidance, and quantitative parameter selection.

AI Financial Statement Ingestion

Upload non-scanned financial statement PDFs and let AI extract and validate the data in minutes, automatically mapping values into your standardized income statement, balance sheet, and cash flow structures.

RAC Deviation Detection & Scoring

During RAC checks, AI identifies policy deviations and calculation gaps, assists analysts with contextual recommendations, and produces a clear RAC support score for each proposal.

SME Scoring & Compliance Guidance

For SME portfolios, AI highlights drivers behind the credit score and compliance percentage, then suggests concrete improvements to strengthen the rating profile over time.

Intelligent Quantitative Parameters

AI recommends the most appropriate quantitative parameters and ratios for each obligor, based on sector, size, and risk profile — ensuring consistent, data-driven analysis.

How it works

From raw data to live credit decisions

Three simple steps to deploy AI-driven credit risk assessment across your lending products.

1

Connect data sources

Securely connect to Saudi credit bureaus, Open Banking Saudi APIs, payroll providers, and your internal core systems.

2

AI risk modeling

Our models enrich, score, and segment applicants using explainable risk factors and configurable Sharia-compliant rules for Islamic financing structures.

3

Decision & monitoring

Trigger approvals, pricing and limits via API while continuously monitoring portfolio risk.

Product features

Everything you need to manage credit risk end-to-end

Comprehensive tools to score, monitor, and act on credit risk across your portfolio.

Real-time scoring API

Instant decisions embedded into your journeys

Score applications directly from your core banking, LOS, or digital channels with single-millisecond response times.

Avg response

120 ms

Today

8,421 calls

Portfolio monitoring dashboard

Continuous visibility on portfolio health

Track PD, LGD, and ECL across products, segments, and regions with intuitive dashboards designed for risk teams.

Portfolio PD

2.4%

Watchlist

184 accts

Custom risk policies

Align models with your risk appetite

Design and test policies tailored to your segments, products, and Sharia-compliant structures.

Approval rate

73.2%

Expected loss

10%

Alerts & Notifications

Stay ahead of emerging risk

Automated alerts when customers or portfolios breach risk thresholds or show early stress signals.

Open alerts

12

Critical

3

Compliance & Localization

Build for Saudi regulations and Sharia-compliant lending

Stay aligned with Saudi Central Bank And Capital Market Authority expectations while serving customers in Arabic and English.

Models and reports aligned with Saudi Central Bank (SAMA) And Capital Market Authority (CMA) expectations and risk guidelines.

Configurable Sharia-compliant products and rules supporting Islamic financing structures across retail and SME portfolios.

Data residency hosted in-Kingdom with enterprise-grade encryption and access controls.

UI, reports, and alerts fully bilingual to support both risk teams and front-line staff.

Use Cases

Built for banks, fintechs, and financing companies

Whether you are launching a new digital lending product or strengthening an existing portfolio, Taqyeem adapts to Saudi regulatory, operational, and risk workflows.

Banks

Retail & SME lending

Design and test policies tailored to your segments, products, and Sharia-compliant structures.

Banks

Retail & SME lending

Design and test policies tailored to your segments, products, and Sharia-compliant structures.

Fintech & digital lenders

Embedded & BNPL journeys

Design and test policies tailored to your segments, products, and Sharia-compliant structures.

Financing companies

Auto, consumer & asset finance

Design and test policies tailored to your segments, products, and Sharia-compliant structures.

Ready to strengthen your credit risk decisioning?

Share a bit about your portfolio and we will show you how Taqyeem can fit your current systems, data, and workflows.