Sphera Credit is a company that develops the infrastructure enabling financial institutions and lenders to design, deploy, and monitor AI agents throughout the entire credit lifecycle. At the origination stage, these agents increase the capacity and efficiency of underwriting teams by automating part of the analysis, enriching applications with new data sources, and enabling the processing of a higher volume of applications without compromising quality. They also help elevate the level of due diligence by going beyond traditional models, collecting and analyzing richer, more contextual information prior to decision-making. On the servicing side, these agents enable continuous monitoring of a portfolio’s credit risk by integrating additional signals about borrowers, while automating a large portion of customer interactions in a proactive and personalized manner. In terms of collections, they can be deployed to automate and optimize the management of delinquent loans, tailoring contact and negotiation strategies to each borrower’s profile. Regardless of the stage of the loan lifecycle, these agents integrate with the systems and tools already used by financial institutions and can operate across all channels—such as email, SMS, phone, or web interactions, to ensure seamless continuity of operations.