About CreditKernel
We quantify what others guess. Our platform delivers clear, data-backed opinions on a counterparty's 12-month probability of default - in minutes, not hours or days.
Our Story
As we like to say, "credit risk not communicated is a secret."
That's why we prioritize predictability and transparency above all else.
Mission
Identify, estimate, and communicate credit risk with clarify and consistency.
Vision
Optimize credit risk in the simplest way possible.
Values
Transparent, actionable, efficient. No black boxes. No fluff.
CreditKernel
In computing, the kernel is the core of an operating system - making everything else work.​
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At CreditKernel, we apply the core principles of credit risk throughout the platform.
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We build the core foundation of how organizations identify, estimate, and communicate credit risk.
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Identify Risk Early
We surface risk signals others miss - like low revenue and margin performance vs. peers, excess leverage, or weak liquidity.
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Estimate Risk with Precision
Our models generate a 12-month probability of default and expected credit loss (ECL) - giving you the tools to:
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Price risk-based deals accurately
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Differentiate borrower credit quality
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Reserve sufficient capital for losses
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Communicate Risk with Confidence- We empower your team to take action - proposing clear, policy aligned steps to mitigate or approve risk.
Capabilities
CreditKernel did not invent the credit risk model, nor are we trying to reinvent the wheel.
See how we identified gaps in the marketplace to improve the current industry offerings.