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Confidential Case StudyGenAI · Credit Risk · Banking

CrediSense — GenAI Credit Policy Assistant

A Microsoft Copilot Studio-based conversational assistant enabling banking credit users to query complex policy documents, retrieve structured guidance, and navigate approval logic — grounded in official policy sources with full governance controls.

Microsoft Copilot StudioGPT-4oRAGAdaptive CardsPrompt EngineeringPolicy Workflow Design

Executive Summary

Credit policy documents in banking are extensive, frequently updated, and difficult to navigate consistently. CrediSense is a GenAI-powered assistant that allows credit users to ask policy questions in natural language and receive structured, policy-grounded answers — reducing lookup time and improving decision consistency.

Business Problem

Large credit policy manuals span hundreds of pages across multiple documents, covering product types, borrower categories, approval authorities, exceptions, and review conditions. Inconsistency in policy interpretation is a risk in itself — when different users interpret the same policy differently, it creates decision variability affecting credit quality and compliance.

The goal was not to replace human credit judgment — it was to ensure every user could access accurate policy guidance quickly, consistently, and with clear source references.

My Role

I led the design and development from problem definition through deployment: conversation architecture, topic routing logic, adaptive card design, policy grounding configuration, guardrails, and stakeholder testing. I worked closely with credit policy and risk stakeholders throughout.

Architecture

User Query
Intent Classification
Topic Routing
Required Inputs
Policy Retrieval
Structured Reasoning
Referenced Answer

The routing layer handles multiple policy topic areas independently, each with its own input logic, policy sources, and answer structure — keeping the assistant focused and accurate rather than attempting to answer everything from a single undifferentiated prompt.

Key Capabilities

Approving Authority

Returns the relevant authority matrix based on facility type and exposure amount

Borrower Type Routing

Routes to borrower-specific policy rules based on entity type

Renewal & Annual Review

Covers renewal conditions, review triggers, and documentation requirements

Escalated Approval

Surfaces conditions requiring board or committee escalation

Governance & Controls

Generative answers are grounded in approved policy documents only — the assistant will not generate policy from general knowledge
Policy source references are included in every answer to allow verification
Guardrails prevent the assistant from answering questions outside its defined scope
Human credit judgment remains the final decision-making authority
The assistant escalates ambiguity rather than speculates

Business Impact

Reduced policy lookup time for credit users navigating complex multi-document policy structures
Improved consistency in how policy guidance is interpreted and applied across credit teams
Demonstrated a scalable model for AI-assisted policy navigation in regulated banking environments

Lessons Learned

01Routing architecture matters more than the LLM. A well-designed topic router with clean input collection outperforms a single large prompt.
02Grounding requires careful document preparation. Chunking, indexing, and metadata tagging determine retrieval quality.
03Transparency builds trust faster than accuracy alone. Source references in every answer are essential.
04Guardrails need explicit design — without them, users will find the edge cases quickly.

Confidentiality Note: Due to employer obligations, code, raw data, proprietary models, and internal investigation details are not disclosed. This case study presents architecture, methodology, and business impact only.

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