Accountability stays human
Software can extract, detect, summarise and recommend. A named person approves credit and takes legal, enforcement, settlement and restructuring decisions.
About
Credit control that can explain itself.
Lending teams juggle spreadsheets, shared drives, email threads and a core system that was never designed for credit judgement. Sevicred OS brings the whole facility lifecycle into one controlled, auditable place.
Why it exists
When a decision is questioned months later, the useful answer is not a memory. It is the exact policy, scorecard, evidence and approval that applied at the time. We built the platform around keeping that answer, for credit, collateral, monitoring and recovery alike.
Nothing without a source
A material number or recommendation links to its evidence, its calculation, or the policy version or AI run that produced it.
Controls cannot be skipped quietly
A waiver or override needs authority, a reason, evidence and a separate approval, and it is recorded permanently.
A layer, not a ledger
Sevicred OS wraps your core banking or loan-management system. It never silently replaces the system that is authoritative for balances.
How we work
Features are not finished when a screen exists. A feature is complete when permissions, data, audit, error handling, tests, documentation and operational evidence all exist. Where a business, legal or provider decision is still open, we build a safe configuration boundary and record the question rather than guess the rule.
External providers are connected through adapters, and where a provider is not yet contracted the product uses a clearly labelled simulation or a manual check. A simulated answer is never shown as live data.
Talk to us