# Documents in lending

## AI Credit Officer

### Every borrower reached. Every document validated. Every file ready for the decision.

Reaches every borrower the moment they apply, in their language and channel. Collects what's missing, validates each upload in real time, and feeds clean credit data into the decision — hours, not weeks.

- **Drop-off reduction**: 80% on average  
- **Time to a complete file**: Days, not weeks  
- **Languages**: Any language  
- **Channels**: WhatsApp · SMS · Email  
- **Used across**: Microfinance · CDFI intake · SME application flows

## A loan officer in every borrower's WhatsApp.

Kita's AI Credit Officer messages borrowers in their language, requests the right document for the right loan type, validates each upload in real time, and keeps the file moving until it's complete. Borrowers don't install anything. Loan officers don't switch tabs.

**File Status**  
Maria Santos  
SME loan · ₱500,000 · BR-PH-22418  
6/8 complete

**Documents requested**  
- Government ID  
- Proof of address  
- DTI registration  
- BIR 2316  
- Audited financials  
- SEC certificate  
- Bank statement (6 mo) awaiting May–June pages  
- Tax receipt (Q3)

## Most loans die in the inbox.

### Applications arrive incomplete
Borrowers submit partial files. Missing bank statements, unsigned documents, inconsistent dates. Your team spends days on follow-up before review can even begin.

### Documents are messy and hard to trust
Handwritten records, blurry scans, documents in local formats your tools weren't built for. Every file is a manual review project.

### Verification has no single source of truth
In many markets, government databases are patchy or inaccessible. Cross-checking borrower data means slow, manual patchwork.

### Credit officers are the bottleneck
Your best people spend their time on data entry and follow-up — not on the credit analysis that actually requires judgment.

## More than a chatbot.

A credit officer in every borrower's WhatsApp. Kita messages borrowers in their language, requests the right document for the right loan type, validates each upload in real time, and keeps the file moving until it's complete.

- **Automated follow-up**: Reaches borrowers via WhatsApp, Viber, SMS, and email. Requests missing documents and clarifies inconsistencies.
- **Omission detection**: Flags missing documents, incomplete fields, and gaps in the applicant profile before it reaches an officer.
- **Consistency checking**: Cross-references information across the document set to catch contradictions and red flags.
- **Borrower engagement**: Keeps applicants engaged throughout the process. Prevents the drop-off that kills conversion.
- **Multi-channel, multi-language**: Works across the channels and languages your borrowers actually use — EN, TL, ID, ES, PT, AR.

```json
{
  "event": "file.completed",
  "borrower": {
    "id":   "BR-PH-22418",
    "name": "Maria Santos",
    "channel": "whatsapp"
  },
  "loan": {
    "type":   "sme_term",
    "amount": 500000,
    "ccy":    "PHP"
  },
  "documents": [
    { "type": "government_id",    "status": "verified" },
    { "type": "proof_of_address", "status": "verified" },
    { "type": "bir_2316",         "status": "verified" },
    { "type": "audited_financials", "status": "verified" },
    { "type": "bank_statement_6mo", "status": "verified" }
  ],
  "completeness": 1.0,
  "duration_minutes": 47,
  "ready_for_underwriting": true
}
```

## Files don't sit. They move.

A typical SME borrower goes from "applied" to "ready for underwriting" in days, not weeks. Every nudge happens automatically, in the borrower's preferred channel and language. Your team sees the file only when it's complete and consistent.

- **Day 0**: Borrower applies
- **Day 0**: First message · WhatsApp· Bot opens, language detected
- **Day 1**: Government ID + proof of address
- **Day 2**: Bank statements · 4 of 6 months· Followed up for May–June
- **Day 3**: Audited financials + BIR 2316
- **Day 3**: File complete · handoff to AI Underwriter

## Same agent. Different room.

Borrowers don't switch tools to talk to you. WhatsApp, SMS, or email — the agent shows up where they already are, with the same memory, same checklist, same language preferences.