Personal Discussions, Upgraded

Every Credit Officer, Your Best Credit Officer

AbleCredit's PD Quality Score listens, guides, and scores every borrower conversation in real-time—ensuring high-quality data capture, even in low-skill environments.

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Why It Matters

Turn Every Field Visit Into a Reliable Credit File

Personal Discussions (PDs) often make or break MSME underwriting. But quality varies by region, skill, and experience. PD Quality Score changes that—making every conversation consistent, complete, and credit-worthy.

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Real-Time Guidance in the Field

AI listens to the live conversation between borrower and credit officer.
Prompts additional questions based on borrower context and missing data.
Ensures structured, compliant PDs even by junior staff.

Quality Scored, Branch-Wide

Every PD rated on a 5-point scale based on depth, coverage, and logic.
Identifies weak regions or teams instantly.
Scores broken down by topic—business model, cashflow, liabilities, etc.

Built for Training & Scale

Management sees which branches need coaching—and on what.
Use recordings and scoring history to train new hires.
Improve quality at the source, not just at the back-office.

Higher Credit Confidence

Better data means better CAMs and fewer credit errors.
Incomplete or vague discussions trigger real-time corrections.
Risk teams get structured, explainable inputs from Day 1.

How PD Quality Score Works

Start the PD on the App

AI Listens and Guides

Gaps Are Flagged Instantly

Conversation Is Scored

Scores Drive Training and Audit

Start the PD on the App

The credit or sales officer begins a Personal Discussion using AbleCredit's guided interface.

Where PD Quality Score Fits

Embedded Right Into Your PD Flow

No Extra Steps, Just Better Outcomes

Whether your PD happens via field visit, video call, or sales-led onboarding—PD Quality Score runs silently in the background, supporting your team and surfacing what matters.