Machine learning algorithms gather knowledge at an oversize scale, consolidate this knowledge and establish patterns during this knowledge from its own disposition history. Based on these patterns it judges whether a borrower is credit worthy or not and regulate the process of loan decisioning engine. So AI may help you make credit decisions at scale but it is Machine Learning that helps you improve your algorithms and ensure that you are one step ahead of industry in understanding credit and market patterns. There are few platforms which offers help in credit analysis.
