X
Swift CreditX
Credit scoring for African microfinance
Why Platform How it works For teams Security
Sign in Book a demo
Swift Capital • Malawi

A collateral-aware credit scoring engine for African lenders.

Swift CreditX turns application data, repayment history, mobile money, bank statements, CRB reports and collateral into a single, explainable risk score and pricing recommendation – built for microfinance institutions, banks and digital lenders.

Book a strategy call Explore live sandbox
Built by Swift Capital to bring bank-grade risk discipline to African microfinance.
Live risk snapshot (demo) Rule-based • ML-ready
Avg PD (approved)
4.8%
Portfolio quality: B
Today’s approvals
37
81% automated
Secured exposure
72%
Collateral-aware
Your real dashboard shows borrowers by risk band, branch, product and channel – with drill-downs into PD, collateral and overrides.
Why Swift CreditX

The old way of approving loans doesn’t scale.

  • Subjective decisions. Different officers, different judgments – no consistent score, hard to defend decisions.
  • Thin-file customers. Mobile money, informal income and fragmented CRB data make traditional scorecards unreliable.
  • Flat pricing. Good borrowers pay the same rate as risky ones, leaving money on the table and increasing portfolio risk.
  • Manual Excel models. Hard to audit, hard to improve, impossible to integrate cleanly into digital channels.

Swift CreditX centralises your credit intelligence into one platform. It standardises decisions across branches, products and channels – while still letting you adapt risk rules to your market and funding partners.

What Swift CreditX gives you:
  • • A configurable, transparent score for every borrower.
  • • A PD and risk band that link directly to pricing and limits.
  • • A clear view of portfolio quality over time.
  • • A story you can tell to regulators, funders and your Board.
Platform

One platform for all your credit intelligence.

From application scoring to portfolio analytics, Swift CreditX gives you a single source of truth for risk – tuned for African microfinance and SME lending.

Rule-based & ML-ready scoring
Start with a configurable, Malawi-tuned rule engine – payment history, DTI, income stability, CRB, behaviour and collateral – and graduate to ML models once your data matures.
PD & risk bands
Every borrower gets a score, probability of default and band (A–E). Use these to drive approvals, limits and pricing, consistently, across your organisation.
Collateral-aware risk engine
Evaluate type, ownership, forced sale value, liquidity and insurance. Strong collateral improves terms; weak collateral triggers caps or declines.
API-first by design
Plug Swift CreditX into your LOS, mobile app or core banking. A simple REST API scores applications and returns decisions in real time.
Portfolio & risk analytics
Track approvals, declines, PD and risk mix by branch, product and channel. See whether new business is improving or weakening your portfolio.
Audit & governance
Every config change and override is logged: who, when and why. Give your credit committee and investors a clear, data-driven view of your risk discipline.
Product tour

See Swift CreditX in action.

Walk through the live console – from the institution dashboard, to risk configuration, to borrower-level decisions and explainable risk reports.

Swift CreditX dashboard – portfolio risk overview
Institution dashboard: total borrowers, applications, average PD and portfolio split by risk band and decision.
Swift CreditX dashboard – recent applications list
Recent applications: at a glance see score, risk band and decision (approved, pending, declined, manual review).
Risk configuration – rule-based model settings
Risk configuration: define score range, auto-approve / auto-decline thresholds and max PD for automatic approvals.
Risk configuration – risk bands and PD mapping
Risk bands: map scores to Bands A–E with associated probability of default (PD) for portfolio monitoring and pricing.
Risk configuration – scoring logic and factor weights
Scoring logic: tune weights for payment history, DTI, income stability, behaviour and collateral quality.
Borrower profile with score factor breakdown
Borrower profile: credit score, PD, band, risk level and score factor breakdown with drill-down evidence.
Application detail view with risk-based decision and pricing
Application detail: requested amount, tenor, purpose, score, PD, AI recommendation and risk-based pricing.
Local context

Designed for the realities of African lending.

Swift CreditX is built from the ground up for markets like Malawi – where informal income, mobile money, betting spend, group lending and partial documentation are the norm. The engine is explainable, configurable and ready for regulators, funders and partners who ask tough questions.

How it works

Fit Swift CreditX into your existing flow.

1. Connect your data

Connect your LOS, CRB, mobile money feeds, bank statement parser or simply upload CSVs. Map your products, branches and channels in a few clicks.

2. Configure risk appetite

Define score bands, PD thresholds, collateral rules and pricing tiers using an admin UI – no code required. Align with your credit policy and funder covenants.

3. Score & monitor

Your staff use the internal console; your systems call the API. Every application gets a consistent score, recommendation and risk report to support credit committee decisions.

For your whole team

Built for leadership, risk and technology.

For CEOs & founders
  • • Grow your book with confidence, not guesswork.
  • • Standardise credit decisions across branches.
  • • Show investors and partners a robust risk framework.
For risk & credit committees
  • • Transparent score factors and PD per borrower.
  • • Drill-down into collateral, behaviour and overrides.
  • • Downloadable risk reports for every application.
For IT & product teams
  • • Clean, documented REST API and sandbox.
  • • Keep your existing LOS and channels – just plug us in.
  • • SaaS model: no servers to manage.

Explore a live sandbox environment.

Log in as a demo institution, see real borrowers and applications, and test how Swift CreditX would score your own portfolio.

Launch sandbox
Security & governance

Serious about data, governance and control.

  • Role-based access control. Officers, analysts, risk managers, admins and platform owners each see what they need – and nothing more.
  • Per-institution isolation. Each lender’s data is logically separated, so there’s no cross-contamination across MFIs or banks.
  • Audit everywhere. Configuration changes, overrides and exports are logged – giving you a defendable story for regulators and funders.
Need specific assurances?

We can work with you to align Swift CreditX with your internal policies and any requirements from your funders or regulators – including data residency constraints and documentation.

Explainable decisions

Risk reports your committee can read and trust.

Every application can be exported as a structured risk report: borrower details, score & PD, band, key risk factors, AI narrative and a borrower-facing explanation.

Swift CreditX borrower risk assessment report PDF
Example risk report: includes internal AI risk narrative and a simplified borrower-facing explanation that aligns with your credit policy.
Let’s talk

Bring disciplined credit scoring into your institution.

Whether you’re a microfinance institution, SACCO, specialised lender or digital credit provider, we’d love to explore how Swift CreditX can support your growth with controlled risk.

Built by Swift Capital, Malawi.

Swift CreditX was originally built to strengthen Swift Capital’s own credit decisions. We are now opening it up to selected partners who want to adopt risk-based pricing and modern underwriting tools across Africa.

Get in touch

Email: creditx@swiftcapital.mw

Phone / WhatsApp: +265 xxx xxx xxx

Or share a few details and we’ll schedule a session with your credit & risk leadership.