Credit Science,
AI-Amplified.

In credit markets, returns are fixed —
but losses can be total.

See risk before it surfaces. Track it as markets shift. This isn't just defense — it's where returns begin.

Our Clients

World Bank
AIG
Asian Development Bank
DBS
EastSpring
Singapore Exchange
Bank of Thailand
China Merchants Bank
China Minsheng Bank
Bank Rakyat Indonesia
Bank SinoPac
KGI

Solutions for three credit markets

02

Corporate Lending

Full-lifecycle credit intelligence, from origination through monitoring.Enable model-driven risk decisions at every credit decision point.

Screening & Pre-sizingEarly Warning
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01

Corporate Bonds

Independent, model-driven credit measurement — daily, across rated and unrated.Quantitative signals at scale, grounded in credit fundamentals.

Credit & Value ScreeningEarly WarningRisk Monitoring
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03

Private Credit

Quantified credit risk for portfolios with no ratings and no public pricing.Fill the visibility gap — track borrower health on an ongoing basis.

Credit ScoringRisk Monitoring
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One Platform. Three Markets.

The intelligence layer beneath every decision.

Coverage
Capabilities
Methodology
Credentials
140,000+
Firms Globally
440,000+
Corporate Bonds Globally
35+
Years of History
20,000+
Default Events
Credit Metrics
  • Probability of Default (PD)
  • PD-Implied Rating (PDiR)
  • Credit Cycle Index
  • Expected Loss Spread
  • Fair Value Spread
Credit Analytics
  • Default Correlation
  • Credit VaR and ES
  • Stress Testing
Criat Platform
Powered by the Forward Intensity Model — our proprietary credit risk framework built on econometrics and machine learning.
Recognised By
IMF · AMRO · MAS
In financial stability reports since 2016
Publications
20+ peer-reviewed
Journal of Econometrics · Review of Financial Studies · Journal of Banking & Finance
Origin
National University of Singapore
Born in 2009, NUS Credit Research Initiative

Credit Science leads. AI amplifies.

01

AI‑Assisted Design

Our solution experts use AI to rapidly adapt credit science capabilities to your specific credit processes and workflows — accelerating design and delivery.

02

AI‑Augmented Insights

Model outputs are translated into clear business language and analyst‑ready reports, making credit risk analysis easier to explore, explain, and act on.

03

AI‑Native Access

Your own AI tools connect directly to Criat's credit metrics and analytics via MCP — delivering credit science on demand, without manual handoffs.

FactSet

Access Credit Science natively within FactSet Portfolio Analytics — or via API and data feed.

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Snowflake

Access Credit Science data and models directly within your Snowflake environment.

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Asia Risk Awards
ISO 27001

Ready to see Credit Science in action?

Talk to Our Experts