Rizq Labs partners with alternative lenders and fintechs to design, build, and deploy credit decisioning infrastructure — from risk models to pricing engines to deployment frameworks that let you test safely and move fast.
Proprietary scoring models built for your book — not generic off-the-shelf solutions. From feature engineering to validation, calibrated to your customer profile and risk appetite.
Risk-tiered pricing grids that maximize yield without blowing up default rates. Built with the middleware infrastructure to deploy, monitor, and adjust in real time.
A decisioning infrastructure that lets you safely test new models and strategies without risking your book. Champion/challenger testing, traffic splitting, and live monitoring built in.
Real-time performance visibility across your book. Vintage curves, charge-off diagnostics, early FPD signals, and renewal detection — so you see problems before they become losses.
Automate the parts of underwriting that don't need a human. AI merchant qualification, business insight generation, and decisioning logic that cuts time-to-decision without increasing risk.
The plumbing underneath everything else. ETL pipelines, data warehouse architecture, DBT transformations, and the analytics infrastructure your team actually needs to move fast.
Rebuilt proprietary pricing automation engine and risk models from the ground up for a $400M+ annual originations lender. Designed the full middleware layer for offer generation, model deployment, and A/B testing infrastructure.
Designed a risk framework to unlock a previously inaccessible merchant segment. Built the scoring logic, pricing grid, and monitoring infrastructure to enter the segment profitably while containing downside risk.
Engineered a novel Credit x Marketing metric linking ad spend directly to credit quality outcomes. Enabled marketing budget optimization without sacrificing portfolio performance.
Designed and implemented fraud detection models and data pipeline infrastructure for one of Latin America's largest financial institutions, operating at significant transaction volume scale.
Rebuilt the pricing model for high-value inventory segments, incorporating competitive intelligence and dynamic adjustments. The same pricing logic principles that drive credit decisioning — applied to revenue management.
We start with a structured audit of your current credit stack — scoring logic, pricing architecture, data infrastructure, and deployment process. Most engagements begin here at a fixed fee.
We deliver a clear assessment of where your system is leaving money on the table or carrying unnecessary risk, with a prioritized roadmap for what to fix first.
We don't just advise — we build. Models, pricing grids, middleware, and deployment infrastructure delivered and deployed in your environment by the people who designed it.
Post-deployment, we stay engaged. Portfolio monitoring, model performance tracking, and ongoing optimization so the system improves over time rather than decays.
Send us a brief note on what you're working on. We'll tell you honestly where we can move the needle and what it would take to get there.