Steven Wood

Five practical non-negotiables for AI governance in lending, from control design and explainability to monitoring, policy alignment, and exception handling.

Production-ready AI in lending requires more than model performance. It requires controls, explainability, monitoring, and workflow fit in regulated environments.

A one-page AI use-case review template for lending teams to evaluate workflow fit, risk, explainability, controls, and alternatives before moving forward.

A practical guide to separating strong AI use cases from weak ones in lending, with a clearer lens for choosing between AI, rules, and analytics.

AI can create real value in lending. It can also create token cost, governance burden, integration friction, and explainability problems when used where rules, code, or analytics would do better.