Chief Risk Officers, Heads of Credit, Heads of Underwriting at banks, specialty lenders and insurers.
No. The copilot recommends; an underwriter accepts, edits or rejects. No credit decision is taken without a human signature. This is engineered into the workflow, not a soft preference.
Bias and disparate-impact testing is part of the evaluation harness. We document fair-lending outcomes per protected attribute within the constraints of applicable privacy law.