Explainable credit decisioning that passes regulatory scrutiny—processing millions of applications with 94.7% accuracy while maintaining full audit compliance.
94.7%
Model Accuracy
100%
Audit Compliance
-67%
Review Time
Risk Dashboard
Model Stability Index
Target: 95
Feature Drift Score
Target: 2
Prediction Accuracy
Target: 90
Bias Detection Rate
Target: 1
Enova's credit models were highly accurate, but regulators demanded more. How do you explain to a consumer why they were declined? How do you prove to examiners that your AI isn't discriminating? Their existing ML models were essentially black boxes—great at predictions, impossible to explain. Each audit took months and cost millions in compliance overhead.
4 months
Per regulatory audit
0%
Adverse action explainability
$2.1M
Annual compliance cost
See how every credit decision is now fully explainable—click any applicant to explore the AI reasoning
Select Applicant
Maria S.
Score: 720
James T.
Score: 640
Robert K.
Score: 580
Credit Score
720
Annual Income
$62,000
Debt-to-Income
28%
Credit History
4 years
AI Decision
Approved Amount
$8,500
Interest Rate
14.9%
From 12 open findings to examination success
Model Documentation
Adverse Action Codes
Fair Lending Testing
Bias Monitoring
Audit Trail Coverage
Continuous monitoring ensures ongoing compliance
Model Stability Index
Feature Drift Score
Prediction Accuracy
Bias Detection Rate
"The CFPB examiner said our model governance was 'best-in-class.' That's not something you hear often in consumer finance. We went from remediation mode to being cited as an example of how to do AI right."
Jennifer Park
Director of Model Risk, Enova International
We help financial institutions build AI systems that regulators trust.
Talk to our AI systems architects about your specific challenges. Get a personalized roadmap for implementation.