DiscreteKernel Systems Information

Credit risk teams at banks, credit unions, and fintechs spend months building models that should take weeks — and deploy them through processes that add months more. DiscreteKernel builds two products that fix this. Model Dragon 2.0 is a no-code credit risk modeling platform that takes a team from raw data to production-ready scorecard in a single environment. ML model training, characteristic binning, scorecard development, strategy trees, anomaly detection, and model monitoring — all in one place, with full audit trails that satisfy SR 11-7 and model validation requirements. Available as a native Databricks App at $30K/year for up to 30 users. Decision Dragon is a lightweight AI scoring and policy execution platform for teams that need to deploy models fast — without building API infrastructure from scratch. Real-time scoring, champion-challenger testing, multi-model orchestration, and a complete decision log from day one. Both products are built on the principle of Augmented Intelligence — tools that make your credit risk team faster and more defensible, not tools that replace their judgment. Every output is explainable, every decision is auditable. Our clients span community banks, credit unions, and fintech lenders across the US.