Case study · Financial services · Guatemala · Client since 2018

Prenda Crédito Avanza

−19%

written-off portfolio

Their lending platform since 2018, plus an AI model that scores the risk of every application. Delinquency dropped 8%.

Capability: Build

Executive summary

A Guatemalan lender that has run since 2018 on the platform built with Ciancoders added, in late 2022, an AI model that estimates the risk of every application inside the approval flow. The written-off portfolio fell 19% and delinquency fell 8%.

The story

Client context: Prenda Crédito Avanza is a lender in Guatemala. Since 2018 it has run on the lending platform we built with them; the relationship spans more than six years and multiple custom software projects.
Challenge: Scoring every application consistently. The necessary information already existed in the platform — every application and its outcome — but was not used at decision time.
Insight: The model’s raw material was the history the platform had been recording for years. No new system was needed: that history had to become an estimate available where the decision is made.
Approach: Embed the model in the existing approval flow instead of creating a parallel tool, and keep the final decision with the credit team.
What we built: The lending platform (since 2018) and, in late 2022, the AI risk-scoring model integrated into the approval flow.
Engineering decisions: The model lives inside the existing platform: the analyst sees the estimate in the same place where they decide, with better information and no change to how they work. Approval accountability remains human.
How Cian-OS applies: Intent: reduce the written-off portfolio, not “use AI”. Foundation: the platform and its historical data were already in production. Build: a model bounded to one concrete decision. Verify: the result was measured in written-off and delinquent portfolio. Operate: the platform keeps running and evolving. (A retrospective reading.)
Timeline: 2018: the lending platform goes live. Late 2022: the risk model is integrated into the approval flow. Today: more than six years of work together.
Business outcome: The written-off portfolio fell 19% and delinquency fell 8%.
What happened next: Multiple custom software projects with the same team; the platform remains the operation’s core system.

“Prenda Crédito Avanza has worked with Ciancoders for 6 years, building multiple custom software projects together. They stand out for delivering advanced technology solutions with a high degree of quality and precision.”

Daniel Marroquín · General Manager, Prenda Crédito Avanza