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Centric is an all-in-one platform that powers Fully Intelligent Enterprises. One platform, one system, one place to build intelligent workflows with full control vs juggling multiple AI tools.
One Unified Intelligence Platform for Lending Decisions.

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The Challenge Facing Nigerian Lending Institutions

In a rapidly evolving market, traditional lending workflows limit growth and increase risk.

Scrutiny

Authorizations getting harder as fraud rises

Opacity

More tools, less visibility

Friction

Exceptions piling up and hurting CX

Pressure

Regulators asking harder questions

The problem isn’t loan defaults, fraud, or lack of data.

It’s that lending decisions are still built on static rules and averages, even though borrower behavior, risk signals, and economic conditions are constantly changing.

Where Do You Need More Intelligence?

Discover how AI transforms every stage of your customer journey with targeted solutions for each lifecycle phase

Ready to see how these intelligence capabilities work in practice?

What Changes When Lending Becomes an Intelligent Workflow

When lending become an intelligent workflow, three things change:

Credit decisions become personalized and consistent

Each borrower is assessed using the full context of their data, while decisions remain governed, explainable, and policy-aligned.

Risk is managed earlier, not explained later

Early signals surface before defaults happen, reducing reliance on overrides and post-approval intervention.

Growth becomes safer and more scalable

Loan volumes increase without loosening credit discipline or overwhelming underwriting teams.

Economic Outcomes That Power Lending

How unified intelligence improves what lending teams actually measure

Revenue

Increase money in

Approve more qualified borrowers, reduce abandonment, and improve portfolio yield without increasing credit risk.

Cost

Reduce money out

Eliminate manual underwriting, rework, and exception handling across the lending process.

Risk

Reduce losses and exposure

Detect early warning signals, reduce defaults, and maintain explainable, regulator-ready decisions.

Capacity

Increase output per
underwriter

Handle more applications, products, and edge cases without proportional increases in headcount.

Every lending workflow compounds these gains.

Powered by predictive, reasoning, and execution intelligence across your lending lifecycle.

7 Layers of Centric AI

Centric AI is built on seven interconnected layers, each designed to create a seamless flow of intelligence across data, systems, and human interaction. Together, these layers transform raw inputs into meaningful insights and impactful outcomes:

Layer 1 - Trust & Safety

The foundation of intelligence: without trust, there is no AI.

▪ Secure connectors, configurations, governance, and compliance.
▪ Provenance, explainability, and protection against bias and threats.

Layer 2 - Data Lab (Explore & Transform)

Turning raw data into ready data.

▪ Exploration, profiling, and feature engineering.
▪ Transformation pipelines guided by business intent.

Layer 3 - Model Studio

Where prediction is crafted.

▪ No-code model creation guided assistance.
▪ Experimentation, benchmarking, and iteration.
▪ Models as engines of business prediction and reasoning.

Layer 4 - Deployment Topology

Choosing the right production environment for real-world use.

▪ Cloud, hybrid, on-prem, or edge deployments.
▪ API-first, embedded, or workflow-integrated patterns.

Layer 5 - Flow Engine

Where work is reimagined through intelligence.

▪ Orchestrating models into end-to-end workflows.
▪ Driving business processes with dynamic AI flows.
▪ Compounding ROI by embedding intelligence in how work gets done.

Layer 6 - Decision Intelligence

From predictions to enterprise clarity.

▪ Dashboards, explainability, and KPI mapping.
▪ Turning model and workflow outputs into actionable decisions.
▪ Bridging technical performance with business strategy.

Layer 7 - AI Planner

Intelligence that designs intelligence.

▪ Suggests new models, workflows, and value streams.
▪ Detects gaps and evolving opportunities.
▪ Guides the enterprise toward self-optimizing intelligence.

See What Intelligent Lending
Looks Like in Practice

We’ll walk through a real lending workflow and map how Centric fits into your existing credit systems, showing how unified intelligence intelligent supports underwriting, risk management, and portfolio growth using real lending scenarios.

Lisa Andy

lisa@centricai.io

Schedule a 30-minute workflow Call

Tope Arogunyo

tope@centricai.io