One AI-native stack.Underwriting, end to end.
Adopt one layer or the entire stack. Kita handles every borrower file end to end, with models calibrated to your market and your underwriter always making the final call.
Every loan file breaks in three places.
Borrower drop-off
Applicants ghost between the form and a complete file. Documents trickle in over weeks.
Fixed by → AI Credit OfficerDocument review
Analysts re-key data from scans, screenshots, and statements. Hours per file.
Fixed by → CaptureMemo drafting
A clean file still becomes a slow human task to structure into something an underwriter can sign.
Fixed by → AI UnderwriterThree products. One pipeline.
AI Credit Officer
Application intake on any channel.
Handles the verification and back-and-forth of borrower documents. Sends checklists, chases missing payslips, parses uploads until the file is complete.
- WhatsApp, SMS, Viber, email integration
- Multilingual (EN, TL, ES, PT, SW)
- Verifies completeness before passing on
- Plugs into your LOS or CRM
Kita Capture
Document extraction & fraud detection.
Reads any document you point it at regardless of format, length, or quality. Returns clean output with confidence scores and tamper signals.
- Any document, any format, JSON, CSV, Excel, custom
- 50+ document types calibrated per market
- Tampering, forgery, and metadata checks
- REST + Python SDK + portal
AI Underwriter
Draft credit assessment for your team to sign.
Reasons across the full file. Cross-checks payslips against bank statements, validates IDs against bureau records, surfaces fraud signals, and returns a credit assessment calibrated to your policy. Your underwriter signs.
- Cites every claim back to the source document
- Tunable to your existing credit policy
- Flags exceptions for analyst review
- Returns structured JSON to your LOS
bank-stmt-feb.pdf · line 14
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Three rules we never bend.
One credit balance.
Capture, AI Credit Officer, and AI Underwriter draw from a single workspace balance. No per-API surcharges. No seat math.
Lender always decides.
Kita returns assessments. Your underwriter signs or overrides. We never approve or deny credit on your behalf.
Forward-deployed by default.
A Kita engineer joins your Slack, wires us into the LOS you already run, and stays until your first 1,000 files run clean.