AI Credit Officer
Reaches every borrower the moment they apply, collects what's missing, and feeds clean, decision-ready credit data to your team.
A loan officer in every borrower's pocket.
Kita's AI Credit Officer messages borrowers in their language, requests the right document for the right loan, validates each upload in real time, and keeps the file moving until it's complete.
Reaches out first
Messages the borrower the moment they apply, in their language.
Requests the right doc
Asks for the exact document each loan type needs.
Validates every upload
Checks each file in real time and flags what doesn't add up.
Chases what's missing
Follows up on its own until the file is complete.
Applications arrive incomplete
Borrowers submit partial files: missing statements, unsigned forms. Your team chases paperwork for days.
Inconsistencies slip through
A payslip that contradicts the bank statement sails through when files are checked one at a time.
Back-and-forth slows every loan
Every missing item is another round of messages. Files sit idle and borrowers walk away.
Skilled time goes to busywork
Your best people spend the day on data entry and reminders, not credit judgment.
More than a chatbot.
Omission detection
Flags missing documents and empty fields the moment a file arrives.
Consistency checking
Cross-references claims across the file and catches contradictions.
Automated follow-up
Chases each missing piece on its own, so files never sit idle.
30+ languages
Messages each borrower in the language they actually speak.
Real-time validation
Checks each upload as it lands and rejects what won't pass.
Automated data entry
Extracted fields flow straight into the loan file. No re-keying.
The channel most borrowers already use across SEA and LatAm.
SMS
For borrowers without a smartphone or reliable data. Same agent.
Statements received. One file is unreadable, could you resend the May scan?
Threaded follow-up with every document in one place.