For your credit team
Less assembly. More judgement.
Relationship managers, analysts and credit officers stop retyping statements and chasing documents, and spend the week on the borrower.
Risk OS
for banks.
AI for the risk teams in any bank: commercial credit, retail credit and the controls that keep every AI step under your own rules.
Live with EdgePointNVIDIA Inception memberBuilt by alumni of Postman, Deloitte, PwC, EY, IIT Roorkee and NIT Jalandhar
Every loan is underwritten, graded, approved and then watched for years. At most banks, commercial and retail alike, that still happens by hand, in spreadsheets and inboxes.
2–7
days for one commercial credit review
~325
annual reviews late a year at an illustrative $5B bank
One Risk OS.
Two books of credit.
Commercial and retail run on the same foundation: your rules, your people signing, and one record of every decision.
Commercial Credit
From the first request to years of covenants.
- Intake & KYC
- Spreading & memos
- Risk grades & decisions
- Closing, servicing & covenants
- Annual reviews
Retail Credit
Cards, auto and personal loans, watched as one book.
- Portfolio monitoring
- Cohort investigations
- Vintage & roll-rate analysis
- Line strategy
- Collections & recoveries
Your credit policy,
on every step.
Before the AI changes a grade, proposes a line change or touches borrower data, Aarvion checks it against your bank's own rules. Risk signs off on the rules once. Every decision after carries a person's name.
- Allow
- inside your rules, so it runs
- Hold
- sent to the right signer, with the reason
- Block
- outside your rules, so it never runs
- Stop all
- one switch pauses every AI in the bank
Wednesday, 3:41 pm · Lakeview Hotels
The memo AI proposes moving the grade from BB+ to BB−.
That's two steps. Your policy lets an analyst move one, and the borrower is on the watch list.
HOLDSent to a senior credit officer.
Better for your team. Better for your borrowers.
For the people you lend to
Faster answers. Fairer lines.
Businesses get a decision while the opportunity is still open. Households get line changes and collection plans built on evidence, not guesswork.
Built by a team that knows bank risk and AI controls.
We've built bank risk programs and AI controls for a living. Aarvion is the tool we wished those credit teams had.
Meet the teamStart with one workflow.
See it for 90 days.
One credit workflow, one loan segment, your rules. Your risk team sees every action the AI takes and every person who signed.
Free for every credit team.
Guides
How to spread statements, write a credit memo, run annual reviews and read roll rates.
Open →Credit glossary
DSCR, global cash flow, LTV, roll rates and more, with formulas and worked examples.
Open →Free calculators
DSCR, loan-to-value, global cash flow, covenant headroom, expected loss and more, with your own policy limits.
Open →Most read guides
Questions credit teams ask.
What is Risk OS?
Risk OS is AI for your bank's credit risk team, with two product lines. Commercial Credit runs loans from request to repayment: intake, spreading, memos, risk grades, decisions, closing, servicing and covenants. Retail Credit monitors and manages cards, auto and personal loans: investigations, line strategy and collections. Every AI step is checked against your bank's own credit rules.
Who is it for?
Credit and risk teams at banks of every size, credit unions and lenders: Chief Credit Officers, Chief Risk Officers, credit analysts and officers, underwriters, portfolio managers and collections leads.
Which loans does it cover?
Commercial: new facilities, increases, renewals, drawdowns and amendments across working capital, term loans, equipment, commercial real estate, construction and letters of credit. Retail: credit cards, auto loans and personal loans.
Do we have to replace our loan platform or core?
No. Aarvion works alongside the systems you already run and reads from them. It can also bring other AI tools you use under the same controls.
Who stays in charge of decisions?
Your people. The AI assembles, spreads, analyses and drafts. Grades are assigned by a reviewer, approvals follow your delegated authority, and anything outside your rules is held for the right signer or blocked.
What does an examiner see?
For every AI action and every approval: who proposed it, what it wanted to do, the evidence used, which rule applied, who approved it, and when.
How do we start?
With a 90-day pilot on one workflow and one loan segment, such as new requests or annual reviews. We write down your rules with your credit team, run alongside your analysts, then go live on that segment.
