Synthia AI · PD Assist

Every PD checked against your SOP. The same day.

Mandatory points verified. Misses timestamped. Summary filed to the CAM.

PD Assist transcribes and translates the PD recording in any language, verifies every mandatory SOP checklist point and flags gaps for a follow-up call. Before sanction, not after.

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PD review, per file: 45–60 min to 8 minShows up in: cost-to-income
Same-day processing: 4–5× faster
Transcribed and translated: Any language
Retained for future credit models: Every interview

The problem

PD quality decides file quality. File quality decides book quality.

PD gaps surface after sanction, not before. PD Assist moves the check to the same day as the call.

Today

Without PD Assist

PD gaps surface after sanction, not before.
45–60 minutes of review for every file.
Mandatory points missed, with no one flagging them before sanction.

With PD Assist

Gaps flagged the same day as the call.

Every mandatory SOP point verified, on every PD.
Misses timestamped, with a follow-up call flagged the same day.
Recordings transcribed and translated, in any language.
Summary auto-filed to the CAM.
8 minutes of review per file, and every interview retained for future credit models.

How PD Assist works

From recording to a checked PD in four steps.

PD Assist runs your own PD checklist. It checks. Your officer decides.

01 · Recording

Start from the PD recording

PD Assist starts from the recording of the personal discussion with the borrower.

02 · Transcribe

Any language, transcribed and translated

The recording is transcribed and translated, whatever language the borrower speaks.

03 · Verify

Check every mandatory point

Each point on your SOP checklist is verified. Misses are timestamped and flagged for a follow-up call.

04 · File

Summary to the CAM

The PD summary is auto-filed to the CAM, and the interview is retained for future credit models.

What your credit manager sees

A checked PD, not a transcript.

Your credit manager gets a checklist, not a transcript. What was covered, what was missed, and what needs a follow-up call.

Every PD is checked against your SOP, point by point. Misses are timestamped.

Gaps are flagged the same day as the call, so a follow-up happens before sanction, not after.

01
Checklist, not chat log
Every mandatory SOP point marked covered or missed.
02
Misses timestamped
Every miss timestamped and flagged for a follow-up call.
03
Straight into the CAM
The PD summary is auto-filed to the CAM.

PD review: LN-2291184

Business vintage confirmed✓

Monthly turnover stated✓

Co-applicant present✓

Existing loans not disclosedSOP 7.1 · 06:12

Property ownership not confirmedSOP 7.3 · 09:48

11 of 13 points covered · 2 gaps flagged for a follow-up callAuto-filed to CAM

Illustrative PD review surface. Checklist points, clauses and timestamps are examples.

The proof

PD review: 45–60 min to 8 min

Per file, in our PD Assist walkthrough. 4–5× faster, with same-day processing.

Proof

Synthia AI in live lending deployments.

Results from the Synthia AI Lending Databook, on live loan books.

80%

less analyst effort

Plain-English questions on a loan book's performance, answered from live data.

We really like the ease with which we can interact with the system using plain english to analyse a loan book's performance.Kaushal Sarda, Venture Partner, UC Impower

Read the case study

95%

less manual ETL work

LOS, LMS and collections data in one source of truth.

75%less analyst time on report preparation

Read the case study

Who it helps

Built for the people who stand behind every file.

Credit and PD teams

Gaps flagged the same day as the call

A follow-up call is flagged while the file is still open, before sanction.

Credit managers

Start every CAM with the PD summary in it

The PD summary is auto-filed to the CAM, with every mandatory point marked covered or missed.

Risk and audit

Show every PD was checked against your SOP

Every action, AI or human, is logged and fully auditable.

Built-in governance

Four rules the platform enforces, not four policies you have to remember.

Governance isn't a module you buy on top. It's how every workflow in Synthia AI is constructed, which is why the audit trail is a by-product of doing the work rather than a project after it.

Every AI output is a draft until a named officer signs it.

Every AI check cites the SOP clause it ran against.

Every action, AI or human, is logged and fully auditable.

Low-confidence or fraud signal → human escalation, always.

How we deploy

Live on your LOS in weeks, without changing your core systems.

Forward-deployed engineers, on your infrastructure, working alongside your credit and ops teams. You never have to say yes to a platform transformation, only to one SOP.

Step 01 · 2 weeks

Pilot

One lending SOP you've already named, on your files, on your infra. Success criteria agreed on day one.

Step 02

Embed

Forward-deployed engineers fit the workflow to your SOPs, your systems and your sign-off levels. 60–80% of what you need is pre-built on day one.

Step 03

Scale

Your next SOP rides the same governed layer, so it lands in half the time.

2 weeks

To a live pilot on one SOP

60–80%

Pre-built on day one

3–4×

Faster delivery

Any cloud, on-prem or sovereign VPC. Any AI model, no lock-in. ISO 27001 certified, SOC 2 Type II compliant. Paid on outcomes, with ROI agreed per SOP before we build.

Speak to our fintech expert

See PD Assist in action.

Pick a time that suits you. Our fintech expert will walk you through it live.

1
A PD transcribed and translatedIn the borrower's language.
2
Every checklist point verifiedEvery mandatory SOP point checked, misses timestamped.
3
Gaps flagged for a follow-up callThe same day, before sanction.
4
Summary filed to the CAMSo the credit memo starts complete.

You can also get your free AI-Readiness Report.

Pick a time that suits you

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Every PD checked against your SOP. The same day.

PD quality decides file quality. File quality decides book quality.

Without PD Assist

Gaps flagged the same day as the call.

From recording to a checked PD in four steps.

Start from the PD recording

Any language, transcribed and translated

Check every mandatory point

Summary to the CAM

A checked PD, not a transcript.

PD review: 45–60 min→ to 8 min

Synthia AI in live lending deployments.

Built for the people who stand behind every file.

Gaps flagged the same day as the call

Start every CAM with the PD summary in it

Show every PD was checked against your SOP

Four rules the platform enforces, not four policies you have to remember.

Every AI output is a draft until a named officer signs it.

Every AI check cites the SOP clause it ran against.

Every action, AI or human, is logged and fully auditable.

Low-confidence or fraud signal → human escalation, always.

Live on your LOS in weeks, without changing your core systems.

Pilot

Embed

Scale

See PD Assist in action.

Pick a time that suits you

PD quality decides file quality. File quality decides book quality.

Without PD Assist

Gaps flagged the same day as the call.

From recording to a checked PD in four steps.

Start from the PD recording

Any language, transcribed and translated

Check every mandatory point

Summary to the CAM

A checked PD, not a transcript.

PD review: 45–60 min→ to 8 min

Synthia AI in live lending deployments.

Built for the people who stand behind every file.

Gaps flagged the same day as the call

Start every CAM with the PD summary in it

Show every PD was checked against your SOP

Four rules the platform enforces, not four policies you have to remember.

Every AI output is a draft until a named officer signs it.

Every AI check cites the SOP clause it ran against.

Every action, AI or human, is logged and fully auditable.

Low-confidence or fraud signal → human escalation, always.

Live on your LOS in weeks, without changing your core systems.

Pilot

Embed

Scale

See PD Assist in action.

Pick a time that suits you

PD review: 45–60 min to 8 min

PD review: 45–60 min to 8 min