About CreditVigil
Our Mission
Africa's lending market is growing faster than its risk infrastructure. Nigerian digital lenders alone disbursed over $865M in 2025, yet most operate without independent model monitoring. CreditVigil exists to close that gap — providing lenders with the oversight they need to scale responsibly, protect borrowers, and satisfy regulators.
The Problem We Saw
We come from credit risk backgrounds — building scorecards, running loss forecasts, implementing CECL and Basel frameworks for financial institutions. When we looked at Africa's fast-growing digital lending space, we noticed something alarming: lenders had zero independent oversight of their scoring models. Models were deployed and never revisited. Score distributions drifted silently. Approval rates crept up while portfolio quality deteriorated. By the time losses appeared on the books, the damage was already done. CreditVigil was built to catch these problems early.
Our Team
Founder & CEO
Credit risk modeling, loss forecasting, CECL/Basel frameworks
“Built and validated the same models we now monitor.”
Growing team — we're hiring.
CreditVigil is a product of Ampersands AI Inc., a US-based technology company building AI-powered tools for financial services.