{"stable_id":"45fb416544e597d1","slug":"creditas-home-equity","company":"Creditas","workflow_name":"AI-automated first-line credit analysis in Home Equity origination","function_code":"credit","pattern_codes":["straight_through_processing","step_before_decision"],"changed_assumption":"First-line credit analysis and signature validation do not require human review on every home-equity file.","evidence_strength":"reported","publication_tier":"showcase","freshness":"current","reviewed_at":"2026-08-23","updated_at":"2026-08-22","source_quality_summary":"1 primary; publication outcomes are reported.","caveat_summary":"No treated application count, no time baseline, no loss/rework comparison. Company-reported. Do not attribute enterprise revenue-per-employee to this workflow. No volume denominator.","freshness_caveat":null,"workflow_summary":{"before":[{"actor":"Credit analyst","action":"Performs first-line credit analysis on incoming home-equity applications.","actor_type":"human"},{"actor":"Operations / legal ops","action":"Reviews contracts and validates signatures.","actor_type":"control"}],"hinge":"First-line credit analysis and signature validation do not require human review on every home-equity file.","after":[{"actor":"AI underwriting back-office","action":"Automates 90% of first-line credit analyses and 60% of signature validations; legal review remains AI-assisted.","actor_type":"ai"},{"actor":"Human credit / ops staff","action":"Handle the non-automated slice and exceptions so origination can scale without proportional headcount.","actor_type":"human"}],"decision_mode":"retained","decision_marker":"Human decision retained"},"before":[{"order":1,"actor":"Credit analyst","action":"Performs first-line credit analysis on incoming home-equity applications.","handoff_to":"Legal / contract and signature steps","control":"Human first-line review of the file"},{"order":2,"actor":"Operations / legal ops","action":"Reviews contracts and validates signatures.","handoff_to":"Funding","control":"Human validation"}],"after":[{"order":1,"actor":"AI underwriting back-office","action":"Automates 90% of first-line credit analyses and 60% of signature validations; legal review remains AI-assisted.","handoff_to":"Human analysts on the residual 10% and on exceptions","control":"Company-stated automation rates; residual human lane implied but not specified"},{"order":2,"actor":"Human credit / ops staff","action":"Handle the non-automated slice and exceptions so origination can scale without proportional headcount.","handoff_to":"Funding","control":"Not publicly specified"}],"decision_rights":"90% first-line automation implies machine completion of that step for the eligible majority. Final credit policy and the 10% residual remain human. No public authority matrix.","exception_path":"The unpublished 10% of first-line analyses and 40% of signature validations.","removed_work":["Routine first-line file assembly and a majority of signature checks"],"outcomes":[{"metric":"Share of Home Equity first-line credit analyses completed without the historic human default","baseline":"Human first-line analysis as the operating default (implied 0% autonomous first-line)","result":"90% of first-line credit analyses automated in Q1 2026","period":"Q1 2026 (results dated 2026-05-07)","scale":"Home Equity record origination quarter; portfolio +33.8% YoY; company origination R$1.1bn in the quarter (all products)","attribution_caveat":"No treated application count, no time baseline, no loss/rework comparison. Company-reported. Do not attribute enterprise revenue-per-employee to this workflow.","evidence_label":"reported"},{"metric":"Signature validations with no human intervention","baseline":"Human signature validation as default","result":"60% require no human intervention","period":"Q1 2026","scale":"Home Equity operations as disclosed in the same results narrative","attribution_caveat":"No volume denominator.","evidence_label":"reported"}],"executive_lesson":"Creditas is the Latin American analogue of a first-line STP claim: 90% of home-equity first-line analyses automated in a dated quarter, with 60% of signatures untouched. Use it for the role shift. Do not use revenue per employee or ‘AI-assisted’ legal review as proof.","anti_pattern":"Blending collections-agent metrics, coding-agent metrics, and home-equity underwriting into one ‘AI productivity’ story.","questions_for_leaders":["What is our equivalent of the 10% residual, and who staffs it?","Would we publish the automation rate if we also had to publish early-arrears by origination vintage?"],"collections":["queue-eliminated","regulated-autonomy"],"bundle_version":"1.0.0","bundle_fingerprint":"sha256:c23c6cc2b88153d008ea8fda928f632ce0011fc2d4c5036672a16e5d895bab93","canonical_url":"https://brianletort.ai/transformations/creditas-home-equity"}