Notes

Credit Infrastructure is a Product

It’s time we stopped outsourcing clarity.

Slyt HQ

16 May 2025

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Credit is one of the oldest forms of infrastructure in the world. But for some reason, the systems we use to manage it still look like duct tape.

Every decade, something new enters the stack—automated scoring, embedded lending, collateral tokenisation. And yet under the surface, credit teams are still running on file uploads, shared folders, hand-carried PDFs, and dashboards glued together in BI tools.

This isn’t a tech problem. It’s an infrastructure mindset problem.

Most institutions treat credit infrastructure like internal plumbing—something patched together internally or delegated to IT. But that approach made sense in a world where lending was local, credit cycles were slow, and operations could be paper-based without breaking.

That world is gone.

Today’s lenders—especially in emerging markets and private capital—operate with thinner teams, cross-border flows, and far more complex obligations. One missed exception, one stale update, one false assumption about loan status, and the entire book is off.

At this scale, infrastructure is the product.

It defines how quickly you detect risk. How accurately you can report. How transparently you can price. How convincingly you can pass diligence.

And the truth is, Excel isn’t that infrastructure. Neither is your generic CRM. Neither is a custom-built system that only two people in your firm know how to operate.

Modern credit infrastructure needs to be productised. It needs to be plug-and-play, API-first, governed, auditable. It should tell you what changed, when, and why. It should adapt to your institution, not the other way around.

Most importantly, it needs to be something you trust enough to build on.

That’s what we’re betting on at Slyt. Not just automation. Not just analytics. A redefinition of what credit infrastructure means in the 21st century.

Because in credit, when the pipes leak, it’s not just a mess. It’s systemic.