AI Credit Appraisal Workflow on Microsoft Azure
A proposed target design. Components shown are planned or conceptual unless stated otherwise.
Concept for AI-assisted rural micro-credit: farmers upload photos and documents, specialist agents analyse them, and a loan officer makes the final decision before core-banking integration.
Overview
A ten-step workflow:
- Application intake through a farmer mobile app and a loan-officer portal
- OCR and document extraction (Azure AI Document Intelligence)
- Validation, enrichment and PII detection
- Knowledge retrieval with Azure AI Search and PostgreSQL + pgvector
- Specialist agents for credit scoring, asset appraisal, policy compliance and fraud/AML
- Financial calculations and scenario analysis
- An explainable recommendation with citations and risk flags
- Human review and decision by the loan officer, with a full audit trail
- System integration (API Management, Logic Apps, Service Bus) to create the customer record, loan account and disbursement workflow
- Continuous evaluation with Azure ML / MLflow and Azure Monitor
Security and identity use Microsoft Entra ID, Key Vault, private endpoints and Defender for Cloud.
Business use case
Fairer, faster and explainable credit decisions for rural finance, with loan officers keeping decision authority.
My role
Architecture design and documentation.