Karus provides an AI-powered, end-to-end operating system for lending from origination through to portfolio & risk management for dealers, originators, and lenders
Machine learning & AI -powered loan structuring and predictive pricing
Automation of the underwriting, verification and decision making process
Real-time data shared throughout the lending value chain
Robust analytics for portfolio & risk management
Karus product offering
An AI-powered operating system that provides an end-to-end software solution for lending from origination through to portfolio & risk management for dealers, originators, and lenders. We provide one platform, with two core functions
AI-Powered Underwriting & Decisioning Models
Portfolio Management & Credit Risk Analytics
Bringing Industry Overhaul
Traditional Auto Lending is Broken
For years, the incentives within consumer auto lending have been misaligned.
Traditional Approach
The Karus Solution
Inaccurate underwriting/FICO scores
Solvency scores based on thousands of features
Opaque pricing & interest rates
Total transparency
Arcane pricing matrix
Customized loan terms
Slow responses
Immediate data-driven decisioning
Insufficient post-origination monitoring
Predictive analytics on existing receivables (The Karus Portal)
Lack of dynamic pricing
ML models for “winning” the best borrowers
The Karus AI
How it Works
AI decisioning tool efficiently empowers lending and private credit capital allocation in auto finance for all participants.
Use Karus as a Lender
Karus is integrated with the Dealer’s preferred LOS platforms (DT & RO) and will send customized terms for each transaction.
Use Karus as a BI Tool
Have Karus analyze portfolios or existing receivables as comprehensive diligence & forecasting tool.
Institutional Investors
Karus powers asset acquisition and credit strategies for Institutions looking for exposure to consumer auto receivables underwritten with proprietary data driven models.
Captive Lending
Dealers, Online Platforms, and Auto Retailers can use Karus to start lending to their own customers.
The Karus Portal
Product Overview
The Karus Portal delivers predictive insights and credit analytics for existing consumer auto loans and new originations from Karus-powered lending programs.
General summary on current and predicted performance for pools of auto receivables.
2. Predictive Analytics
All performance indicators reported and visualized updated daily. Track defaults, net losses, and delinquencies curves (historical and predicted) in real-time.
3. 360° Data Insights
Detailed feature and risk insight derived from millions of auto loans.
4. Account Performance Tracking
All payment and loss history tracked for each account originated using Karus underwriting at the account and portfolio level. History for closed accounts + ML projected cash flows for active accounts.
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