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Enterprise• Risk

Lumi Credit

Financial risk specialist. Analyzes loan portfolios, aging receivables (AR), and credit scores to predict delinquency.

Install Agent
Runs locally in browser

Capabilities

Portfolio Health

Vintage Analysis

Roll Rate Analysis

Concentration Risk

Vintage Curve Analysis

Input / Output

Accepts (Input)

  • Loan portfolios
  • Payment history
  • Credit bureau data
  • Collateral records

Generates (Output)

  • Default probability scores
  • Expected loss estimates
  • Portfolio concentration reports
  • Vintage analysis

Boardroom Role

Vote TypeVETO

Expert Domains

CreditLending

Under the Hood

This agent uses specialized SQL macros to perform deterministic calculations. It does not hallucinate math.

# Logic Sample: Interaction Rule

SELECT * FROM defects a
JOIN defects b
ON ABS(a.pos - b.pos) < (0.25 * a.length)

Memory & Context

This agent keeps short-term conversation context and draws on a domain knowledge base of General Industry Standards, plus a persistent memory that recalls relevant past findings by semantic similarity.