Credit risk and payments,
working as one.
Sharpen risk decisions using payment outcomes. Deliver peak performance from origination to collections.
Trusted by leading enterprise organisations
Our clients see
Credit Canary is AI-first.
Six specialist agents mapped to platform modules, working autonomously to optimise every part of your book.
High quality onboarding, driven by real data.
Assists through onboarding with automatic data pulling and verification. Learns from every application to maintain lead quality.
- Adapts dynamically — asks only what isn't already answered by Open Banking or bureau data
- Automatically updates acquisition filters in real time based on every application and data pull
- Continuously learns to improve data quality and lead scoring with every interaction
Every data source, one enriched customer view.
Combines all data sources into one enriched view. Auto-triage scorecards and categorisation for lending rationale.
- Scorecards allow underwriters to quickly triage, assess and cure customers in manual flows
- Automatic categorisation and enrichment across every data source — no manual wrangling
- Asks complex questions across application datasets to build lending rationale and investment memos
No more retros — decisions that learn in real time.
Suggests scorecard builds based on real-time performance. Identifies risk and opportunity as they emerge — no manual analysis.
- Automatic scorecard suggestions based on live book performance — no waiting for quarterly retros
- Accept more or less based on actual outcomes — the agent learns continuously from every decision
- Automatic cohort creation identifies both risk concentrations and new lending opportunities
Every payment automated. Every miss, addressed.
Automates payment schedules with full reconciliation. Proactively handles misses, maximising collections with zero manual work.
- Automatically deals with misses, near-misses and forecasted shortfalls — no manual intervention required
- Agentic payment layer across all accepted methods and settlement accounts with real-time reconciliation
- Flexible orchestration — Direct Debits, Faster Payments, Pay by Bank — switched dynamically by outcome
AI workflows for every customer moment.
Creates AI workflows across systems. Initiates collections, hardship and forbearance workflows — no manual build.
- Automatically builds and deploys AI workflows triggered by risk, opportunity and upsell signals
- Interacts with multiple systems simultaneously to streamline customer experience and reduce cost to serve
- Collections, hardship and forbearance handled end-to-end — from detection to resolution
Portfolio intelligence, continuously surfaced.
Delivers aggregated insights through the customer lifecycle — dashboards and risk signals from origination to settlement.
- Unrivalled aggregated insights across the full customer lifecycle — origination to settlement
- Automatically creates and updates dashboards — no manual reporting required
- Scorecard and threshold recommendations based on real portfolio performance data
Credit Canary automates, end-to-end to unlock new value.
A modular framework that, when combined, drives powerful outcomes — from application to collections, payments to performance.
Explore the platformPlatform Modules
Optimised application journeys with embedded calculators and broker connectivity.
Combine all your data sources into a single, enriched customer view.
Automated credit scoring and decisioning that learns and improves over time.
Direct Debits, Faster Payments, Pay by Bank — flexible orchestration for any method.
AI Agents that trigger automated workflows — collections, hardship, forbearance — the moment accounts need attention.
AI-powered dashboards delivering unrivalled aggregated insights on your customers throughout the loan term.
Smarter decisions from better data.
Pre-integrated data sources, AI-powered scorecards, and intelligent product matching — built in from day one.
Security & Compliance
A record year — with no extra staff or marketing.
GMB Credit Union streamlined onboarding and automated underwriting — achieving their best year.
Ready to connect every part
of your credit journey?
Credit Canary unifies origination to collections — smarter decisions, faster payments, optimal experience.