CIP

Credit Intelligence Platform (CIP) is an AI-native credit decisioning system designed for banks and financial institutions in emerging markets. Deployed as a managed application directly into your Azure subscription, CIP ensures all data, AI models, and authentication remain within your tenant — guaranteeing compliance with local data residency and banking regulations.

WHAT'S INCLUDED

This pilot plan deploys the complete CIP Phase 1a infrastructure:

• Credit API (.NET 9) — Core backend with SQL database, document storage, and AI orchestration

• Web App (Next.js) — Modern responsive dashboard for credit managers and analysts

• Agent API (FastAPI/Python) — Internal AI agents for risk scoring, policy checking, credit memo drafting, and borrower intelligence

• Azure OpenAI Integration — Bring your own GPT-4o-mini deployment

• Azure SQL Database — Secure relational storage for credit data

• Azure Cosmos DB — Tenant onboarding and state management

• Azure AI Search — Intelligent document and knowledge retrieval

• Azure Service Bus — Async job processing and retry logic

• Azure Key Vault — Centralized secret management with RBAC

• Virtual Network — Secure private connectivity between all services

• Application Insights + Log Analytics — Full observability and monitoring

KEY CAPABILITIES

• Credit Scoring — AI-driven borrower risk assessment with explainable outputs

• Credit Memo Studio — Auto-generate credit memoranda from uploaded documents

• Portfolio Intelligence — Real-time dashboard for loan portfolio monitoring

• Early Warning — Automated alerts for deteriorating credit quality

• Borrower Intelligence — 360° borrower view with alternative data ingestion

• Policy Engine — Bank-specific credit policy enforcement and exception tracking

• Collections Intelligence — Prioritize collections based on AI-predicted recovery probability

• Executive Reporting — Board-ready credit risk reports and KPI dashboards

SECURITY & COMPLIANCE

• Data stays in your tenant — Otic Group never accesses bank data

• Microsoft Entra ID authentication — Role-based access control

• Private networking — All services communicate over Azure Virtual Network

• Key Vault encrypted secrets — No credentials in source code

• Audit logging — Full traceability of credit decisions

• Rate limiting — Configurable per-bank API throttling

WHO IS THIS FOR?

Commercial banks, microfinance institutions, and development finance organizations seeking to modernize credit decisioning with AI while maintaining full data sovereignty.

DEPLOYMENT REQUIREMENTS

Before deploying, you will need your Microsoft Entra Tenant ID, Entra Application Registration Client ID, SQL Admin Object ID, and your own Azure OpenAI endpoint URL.

SUPPORT

Documentation, email support, and guided onboarding assistance included during pilot.

PRICING

This is a pilot/planning phase offering. Contact Otic Group for a customized quote after pilot evaluation.