AI-Assisted Credit Decisioning & Automation
Jun 1, 2023
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1 min read
The problem. Manual credit decisions took days — too slow to compete — but a regulated lender can’t simply hand approvals to a model.
The approach. I led AI- and automation-assisted credit decisioning that streamlines financing workflows while keeping a human in the loop for final approval, in line with regulatory expectations. The same automation push extended across financing, investment, reconciliation, and back-office operations.
The impact. Financing decision turnaround dropped from several days to a few hours, with regulatory-grade human oversight preserved.
Authors
Ahmed K Emara
(he/him)
Chief Technology Officer · FinTech & Platform Engineering
I’m a chief technology officer with 18+ years building and scaling technology
organizations across regulated FinTech, payments, e-commerce, and enterprise
platforms. Today I’m CTO at Tarmeez Capital, a Saudi FinTech financing and
investing through Islamic Sukuk, where I took the platform from a four-person
pre-launch team to 40+ people and a CMA/SAMA-licensed launch. I write about
backend engineering, databases, security, microservices, and FinTech
infrastructure — the problems I actually hit in production.