Develandoo partnered with several banks and insurance companies on creating a robust credit risk rating and underwriting system. The system hooked into the organization’s core rating process, by assessing the credit-related steps and automates the credit risk rating process with full lineage and audibility. We provided a better and faster B2C credit scoring models, as tested against the Home Credit default dataset, found on Kaggle. We have also used open banking to create satellite models with an accuracy of at least 80%. We employed around 400 features which provide higher accuracy and better insights than current 8-10 variables used in banks. The opportunity for banks is to enable credit history for the non-existing bank customers, thus giving them the ability to sell the mortgage to a new target audience that they otherwise would miss. The system provided insights into why the Prospect was accepted or rejected.