“We were looking for a robust and centralised platform to manage our internal rating models.”
James Berrecloth
Head of Risk Infrastructure, Santander UK


Sound practices and tools for credit risk management are essential to the long-term success of banking organisations and financial service providers. The Credit Risk Platform enables the analysis of credit risks, the automation of lending and decision-making processes as well as continuous risk monitoring.
Core features of the platform include capturing and spreading financial statements as well as a flexible framework for the implementation of internal rating and scoring models. Based on an in-depth risk assessment, the platform enables the implementation of complex strategies and workflows for credit origination and monitoring.
Agentic AI marks the next evolution beyond Generative AI. Instead of executing single prompts, agents autonomously perform complete tasks – from data collection to analysis. For credit risk teams, this means fewer manual steps, faster decisions, and greater consistency.
Discover in this Business Insight how Agentic AI transforms credit risk workflows and what prerequisites are key for its use in regulated environments.
“We were looking for a robust and centralised platform to manage our internal rating models.”
James Berrecloth
Head of Risk Infrastructure, Santander UK

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