Meet Karus! The AI Engine for Auto Finance

/ Service

KGPT

KGPT acts as a real-time analyst for all things auto finance. With access to application, detailed credit, and servicing data, KGPT has the comprehensive information required to answer questions specific to lending programs. Additionally, KGPT has access to market performance, industry data, and macro economic trends which it uses to provide insight to users.

KGPT is effective for both technical and non-technical users. Non-technical users typically prefer the natural -> structured language capabilities of the model. This is where the model takes natural language like “give me the average credit score on all applications over the last three months” and converts it into the appropriate query before displaying the results to the user in the interface. For technical users, KGPT handles direction well. It will execute custom written queries for specified database tables if that is the preferred approach.

/ how to use

How do customers use KGPT?

KarusGPT is the newest data analyst on your team. Use our accurate generative AI to answer questions on your portfolio, and the auto market at large.

Fast and accurate Q&A
Deep insight for lending assessment/modification
Automated report building
Performance across the auto market
Macro economic assessment
Information retrieval
/ Questions

What kinds of questions can KGPT answer?

KGPT answers questions your questions in real-time.

Applications based

What is the average PTI on loans with monthly payment >= $600 on approvals this year?

Credit based

What percentage of tradelines are considered credit builders on approvals? Show me month over month for the past six months.

Servicing

Give me gross default and net loss curves for the June 2024 vintage in a table with three columns: date (year-month), gross default percent, net loss percent. Make the table downloadable.

Market performance

Graph the CNL curves for Santander for all issuances from 2024 to the present. Also grab the prospectus for Santander 2025-01

Macro economic

Give me a line chart of the manheim index and the unemployment rate over time. Also make a csv version for download.