Servicing and collections
NPL provisioning, restructuring, cross-bank recovery, dispute management.
Lending · Risk · Governed AI
We build the systems banks cannot afford to get wrong.
BlackAlpine builds lending technology, risk intelligence and governed AI systems for banks and regulated enterprises.
Fig. 01 — The rangeFour stations · select one
01 — West ridge
Lending platform
The production credit platform, origination through portfolio monitoring.
02 — Central massif
AI strategy
Operating models and roadmaps built for regulated constraints.
03 — East face
Cybersecurity
Audits reporting material exposure and prioritised remediation.
04 — Summit block
Sovereign AI
Private models and infrastructure under institutional control.
Lending · Risk · Governed AI
We build the systems banks cannot afford to get wrong.
Lending technology, risk intelligence and governed AI—from decision to production.
See how we workCore platform
Five movements through the credit lifecycle, one system of record.
Ten controlled events, grouped into five operational movements. One continuous record carries identity, evidence, policy, approvals and performance from product setup through the life of the book.
Manage · movement 05 of 05
Steward the live book
Record carriesRepayment history, collections and portfolio risk
Portfolio monitoring
PD/LGD/EAD, vintage, concentration, early warnings, model monitoring.
01Core platform
One record across the life of the loan.
- Configure
- Originate
- Decide
- Fund
- Manage
Identity, evidence, policy, approvals and performance stay connected from product setup to the live book.
Explore the lending platformExpertise
A strategy that never reaches production is a document.
Production needs all three: a clear mandate, defensible controls and an operating model the institution owns.
Mandate
AI strategy
Decide where AI belongs, what it may touch and how it will be governed — then turn that mandate into an executable roadmap.
- Use-case portfolio
- Target architecture
- Operating model
Assurance
Cybersecurity
Find the exposures that matter, prove which controls change the risk and put remediation in the order the institution can deliver.
- Exposure map
- Critical controls
- Remediation plan
Control
Sovereign AI
Run models, data and infrastructure inside the institution's boundary, with governance and operating autonomy retained by the bank.
- Private deployment
- Data residency
- Audit trail
Shared destination
In
production
- Useful
- Defensible
- Institution-controlled
02Expertise
Make the right system. Prove it can be trusted.
Approach
Built around your institution. Delivered at product speed.
Every solution is personalised end to end—from the frontend and backend to the integration layer. We connect with major financial systems, while AI-first engineering and composable microservices keep delivery moving at product speed.
Solution scope
We personalise
- FrontendRole-specific journeys and interfaces
- BackendDomain services, data and controls
- IntegrationsMajor financial systems — FLEXCUBE · Finacle · Temenos T24
Repeatable delivery engine
What makes it fast
Engineer-reviewed
AI-first engineering
AI accelerates implementation, testing and documentation; our engineers review the output and own every release.
Configure · integrate · evolve
Microservice architecture
Independent services are configured and combined around the institution, so changes do not require rebuilding the whole system.
Outcome
Your system
- Fit
- Personalised
- Delivery
- Product speed
- Ownership
- Institution-owned
03Approach
Personalised to your institution. Delivered at product speed.
We personalise
Frontend · Backend · Integrations
FLEXCUBE · Finacle · Temenos T24We accelerate with
AI-first engineering · Composable services
You keep
The system · The code · The control
The next decade of lending runs on software you have not built yet.
Tell us the portfolio, the constraint and the timeline. We will tell you what is buildable and in what order.
04Production
Bring us the system you cannot afford to get wrong.
Tell us the constraint and the timeline. We will tell you what is buildable—and in what order.
Start a conversationSystem live · Institution-owned