Every month, your portfolio grows and your operating margin erodes. More files, more analysts, more errors, more regulatory visits — and less board time to think about strategy. Innova Black redesigns your full credit chain — Origination, Operation and Administration — with the DTX™ methodology and AI automation. Without forcing you to build a technology department from scratch.
Live projects with regulated financial institutions — under NDA:
CDMX · Monterrey · Guadalajara
Built on Anthropic (Claude) AI and enterprise-grade cloud infrastructure.
Loan files scattered across folders, email, WhatsApp and loose documents.
Every application is fragmented across email threads, photos in chats, files on Drive and local folders. The time from first contact to credit committee is measured in weeks while peers in the same segment work in days.
Credit committees delayed by fragmented information.
The credit committee meets with packets assembled late and data that does not reconcile. Decisions arrive late, good loans cool off, and risky loans are approved because no one read the detail in depth. Process discipline ends up bearing the cost.
Underwriting without quantitative discipline.
Analyst judgment outweighs methodology. Credit quality depends on individual criteria rather than the model. When the regulator asks how a specific file was approved, the answer is "this is how we evaluate" rather than a documented process.
KYC and onboarding on paper.
Client onboarding takes days that you lose in origination versus competitors. The files you submit to CNBV are incomplete when the inspection visit arrives.
Crítico
Manual contracts that produce errors.
Clauses copied wrong, amounts that do not match the promissory note, collateral formalized with the wrong tax ID. Every operational error is latent legal contingency.
Loan disbursements disconnected from the accounting ledger.
You disburse money in one tool and book it in another. Regulatory reports are reconciled by brute force at month-end. External auditors flag the same observations year after year.
Manual portfolio management, always behind.
IFRS 9 staging, expected loss provisions, early-warning alerts and R01/R04/R10 reports built in spreadsheets that break. The board receives the portfolio dashboard two weeks late — and by then the problem has grown.
Manual statements and invoicing.
Your team produces statements one by one, calculating ordinary and default interest, fees and VAT by hand. Electronic invoices are issued separately. Each month the client receives the statement late, with calculation errors or out of sync with the invoice.
Collections without traceability or strategy.
Collectors with Excel lists, no delinquency scoring, no segmentation. Non-performing loans grow and no one knows where the bottleneck is. IMOR rises, ROE falls — and the root cause stays invisible.
Reactive AML monitoring instead of preventive.
You detect unusual operations after the fact and generate UIF reports (ROR/ROI/ROIP) late. A poorly closed UIF observation compromises your entire CNBV registration. The cost is not the fine — it is losing the license to operate.
Crítico
Producing profitable, well-governed credit has three phases: Origination, Operation and Administration. Each level has its own stages, its own systems and its own regulatory risks. Our method connects them — from prospecting the first lead to recovering the last peso — with process discipline, information governance and regulatory traceability.
Capture, know, evaluate and decide. Here you define who you lend to and who you do not — and the regulator demands the decision be grounded in information, not intuition.
Lead capture, marketing and first contact. Traceability by channel and by officer from the first touch.
Client identification, screening against restricted-persons lists and initial transactional profile. Digital file built from origin.
Automated quantitative scoring for volume or deep qualitative assisted underwriting for high-ticket loans. The design defines the mix.
Auto-assembled packet, committee meeting with complete evidence, proposal letter generated from file data.
Formalize, disburse and book. Here credit moves from being a decision to being an asset on your portfolio — with all legal documents correct and the accounting ledger reconciled from minute one.
Credit agreement, promissory note and collateral constitution generated from file data. Advanced electronic signature.
Closing and SPEI dispersion or bank transfer, with automated confirmation and immediate reconciliation.
Accounting under Mexican NIF standards, active portfolio registration and follow-up file opening.
Monitor, manage, collect and report. This is where the portfolio stays healthy or decays — and where the regulator looks closely at every close. The most expensive phase when done poorly and the most profitable when done well.
IFRS 9 staging, expected loss provisions, early-warning alerts and real-time dashboards for risk and executive teams.
Statements generated automatically at month-end with correct calculation. Electronic invoice issued in the same flow.
R01, R04, R10, R12, R13 generated automatically from the live portfolio. No spreadsheet wrangling at close.
Automated transactional surveillance, watchlists reviewed periodically, ROR/ROI/ROIP reporting to UIF.
Segmented collections by delinquency scoring and origination cohort, documented restructures, escalation to judicial recovery.
01
We do not arrive with a tool under our arm to sell you licenses. We apply Design Thinking + Experience to understand how your lending institution operates today, what decisions each person makes, where the real bottlenecks are and how the flow should look if we redesigned it from scratch. Design comes first. The tools come later and in service of the design.
02
Once we understand how your Origination, Operation and Administration should run, we propose the tools that best fit your reality — your size, your regulatory figure, your team, your budget, your existing integrations. Sometimes it is Salesforce. Sometimes something lighter. Sometimes building a custom component. Whatever the design dictates and what protects your margin — not what we happen to have in stock.
03
Customer understanding is designed on two dimensions — qualitative and quantitative — and at two speeds — fast or deep. Each regulated figure has its own business model: a microcredit SOFOM needs automated scoring that approves in seconds; a SOFOM ER serving SMEs needs assisted underwriting that produces a robust memo; a hybrid SOFIPO needs both engines in parallel. We design the right mix.
04
Every stage we redesign goes through one question: "can a model do this better than a human?" Document reading and validation, fast scoring, assisted underwriting, AML anomaly detection, committee package generation, early-warning alerts on portfolio, default prediction 30 days before it happens. We do not insert AI for fashion — we insert it where it replaces repetitive manual work or improves the quality of a decision.
Compliance starts before you lend and never ends. That is why we distribute it across two critical points in the cycle: client onboarding and continuous monitoring of activity. Alive in the system, instantly auditable, ready for any CNBV inspection or UIF request.
Initial KYC: identification, watchlist screening, transactional profile, signed digital file from day one.
Cross-validation: KYC data flows into contract, disbursement and accounting. No double capture, no discrepancies.
Continuous monitoring: automated transactional surveillance, watchlists reviewed periodically, ROR/ROI/ROIP reporting to UIF.
Compliance aligned with LFPIORPI (Mexico's AML law), Article 115 of the Banking Law (LIC) and CNBV AML/CFT provisions — operating live, not as dead paperwork. Because the cost of a poorly closed UIF observation is not the fine — it is losing the license to operate.
Complimentary 45-minute diagnostic
Learn moreGreenfield regulatory technology stack
Learn moreAutomated AML/CFT compliance engine
Learn moreData, analytics and AI agents platform
Learn morePayments and processing rails
Learn moreLegacy systems migration
Learn moreDedicated external team post-implementation
Learn moreSOFOM ER · SME lending
97% reduction in UIF report generation time.
From manually assembling ROR/ROI reports each month to automatic generation from the live portfolio. The compliance team recovered 40+ person-hours per month and reports were filed with zero observations.
Regional leasing firm
CNBV authorization obtained in 14 months.
End-to-end support from business model design through the complete regulatory file submission. Technology stack ready to operate on day one post-authorization.
Multi-vehicle financial group
80% fewer legal hours per quarter.
Contract workflow redesign with automated instrument generation, cross-validation and electronic signature. The general counsel moved from reviewing contracts to designing policy.
A session with a senior Innova Black consultant who maps your Origination, Operation and Administration today — and delivers an executive report with maturity scoring, sector benchmark and 90-day plan. No cost. No commitment. The report stays with you, whether or not you engage us.
