P&E-Hope Retail Credit Solution

Eight layers, one governance: next-generation retail credit, full stack

P&E-Hope brings all of our capabilities together — P_Hope for consumer credit, E_Hope for small-business credit. It combines financial LLMs, agents and engineering frameworks, product design, intelligent marketing, end-to-end risk management and digital operations, taking banks from acquisition and underwriting to drawdown and post-loan management.

P_Hope · consumer creditE_Hope · small-business creditEight layers + Harness governanceOn-premises across the stack

Solution framework

Six proven layers — plus an agent layer and an LLM foundation

On top of the original six layers — product, marketing, risk, digital operations, models and algorithms — the new framework adds an agent layer and a financial LLM and engine foundation, with Harness governance running through the whole stack.

01Product

Product designTarget segments · limits · rates & fees · guarantees · risk assessment · features · tenor · repayment schedule · process · compliant collectionsProduct creationTax & invoice loans · supply-chain loans · construction-machinery loans · import/export loans · e-commerce loans · merchant loans · agribusiness loans · tech-innovation loans · salaried loans · power-grid loans

02Marketing

Online & offline channelsIndustry-chain events · enterprise platforms · aggregated payments · government platformsSettlement-account miningCash-flow data · government data · behavioral data · model-drivenTrafficJD Logistics · vertical industries · local influencers · enterprise B2BConversionTelesales · new media · retention · customer referrals

03Risk

KYCFace liveness · three-factor verification · blacklistsAnti-fraudDevice & environment · fraud rings · same-day multi-borrowing · illicit intermediariesPre-loanAdmission rules · master scorecard · limits & pricing · due diligence & call verificationIn-loanLimit increases · renewals · revolving credit · early warningPost-loanCollection strategies & models · asset preservation · ABS

04Digital operations

Risk monitoringApplication · post-disbursement · related parties · complianceCustomer operationsTraffic · scenario acquisition · private-domain growth · communityComplaint operationsComplaint analysis · handling efficiency · repeat-complaint monitoringEarly warning, collections & ITAlert handling · collection efficiency · system operationsBusiness monitoringApplication / approval / drawdown / post-disbursement analytics · ROI · NPS · CAC · LTV

05AgentsNew

Corporate credit agentScenario agentsCorporate due diligence · AML review · trade-document review · complaint handling · regulatory-report QA · collections compliance QA · remote agent assistSAM modeling agent groupTiered admissionAutonomy L0–L4 · advice ≠ decision

06Models

Marketing modelsResponse · significance · pre-approved credit · loyaltyRisk modelsCredit bureau · fraud prediction · limit setting · drawdown · renewal · repayment behavior · collections · ABS valuationSegment modelsBehavior change · value · preference · sensitivity

07Algorithms

Nearly 100 algorithmsHX-LR · K-means · PCA · XGBoost · LSTM · LightGBM · KNN · GBM · CNN · RNN · Autoencoder · GNNs · GraphSAGE · GCN · GRU · Isolation Forest · Transformer · One-Class SVM …

08Financial LLM & engine foundationNew

Financial LLMIndustry-model distillation · on-premisesRAG knowledge basePolicy · regulation · cases, with cited answersMultimodal document understandingFrom “seeing text” to “understanding files”Core enginesSAM · VDC · Deep Hope S1

Shared core engines

One foundation for the entire stack

150+proprietary algorithms

20,000+derived-variable designs

100 million+samples of processing capacity

300+defect-level modeling tools

Breadth

Retail products from RMB 3,000 to RMB 10 million

We have served and consolidated 20+ retail products with limits from RMB 3,000 to RMB 10 million, co-developed and deployed 150+ models and optimized 4,000+ strategies in production.

30+ scenario categories, includingTaxInvoicesUtility paymentsLogisticsElectricityImport & exportMerchantsConstruction machineryLivestockClinker processingChemicals

See customer results

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