LENDING INTELLIGENCE

AI Employment Risk
Intelligence for Lending

The scoring engine, products, and API that let lenders price the risk their models currently miss.

View Products →Scoring API
THE UNPRICED RISK

The Blind Spot in
Every Loan File.

Every lender stress-tests for interest rates. Nobody stress-tests for the borrower losing their job to AI.

01

The Exposure Nobody Prices

67% of lenders are investing in AI. Zero are pricing the employment displacement risk AI creates for their borrowers. The same technology lenders are adopting is eliminating the income that services their loans.

0%
of lenders pricing AI employment risk
02

The Renewal Cliff

$215B in leveraged debt matures by 2028. Borrowers refinancing into higher rates need stable income. AI displacement peaks in the same window — 58% of projected displacement concentrated between 2027 and 2031.

$215B
in leveraged debt maturing by 2028
03

The Decision Gap

Enforcement timelines run 12–18 months in judicial states. Court backlogs are growing. Lenders can't wait for process. They need forward-looking intelligence to decide now — negotiate, enforce, or restructure.

12–18mo
average enforcement timeline in judicial states
SCORING ENGINE

Two-Layer Scoring.
One Metric That Matters.

Peer-reviewed methodology from NYU, the IMF, the ILO, Stanford, and Oxford — applied to 500+ occupations across North American classification systems.

FOUNDATION

Base Occupation Score

Every occupation scored against four peer-reviewed AI exposure indices. Weighted composite from C-AIOE (NYU/IMF, 60%), GENOE (ILO, 20%), Webb (Stanford, 10%), and Frey & Osborne (Oxford, 10%). Coverage across SOC and NOC classification systems.

●C-AIOE · NYU/IMF
●GENOE · ILO
●Webb · Stanford
●Frey & Osborne · Oxford
●SOC + NOC Coverage
●~500 Scored Occupations
CONTEXTUAL INTELLIGENCE

Borrower AI Risk Score

Real-time contextual modifiers applied to the base score. Employer health research — layoffs, AI adoption signals, headcount trends. Tenure-based mobility assessment. Severance cushion estimation. Three scoring branches for employed, self-employed, and gig/platform borrowers.

●Employer Health Research
●Mobility Assessment
●Severance Cushion
●Three Scoring Branches
●Real-Time Modifiers
●Distress Duration Output
THE OUTPUT: DISTRESS DURATION

“How many months before this borrower's mortgage is at risk?” — the single number that changes committee decisions. Not a credit score. A forward-looking employment stress test.

PRODUCTS

Intelligence at Every Scale.

From a single borrower lookup to a full portfolio audit. Every product built on the same peer-reviewed scoring engine.

Product
Price
Delivery
Description
Occupation Risk Calculator
Free
Instant
Score any occupation against four AI exposure indices. Base risk tier and national ranking.
Entry Point
Borrower Volatility Analysis
$500 / file
24–48 hours
Full narrative PDF — Volatility Score, Distress Duration, employer context, committee-ready language.
Enterprise
Portfolio Risk Audit
$5,000–15,000 / quarter
5–7 days
Every loan in the book scored by borrower occupation. Concentration analysis, tier migration, employer risk clustering.
Settlement Intelligence Report
$8,000–15,000
5–7 days
Counter-party stress signals, market conditions, settlement economics, AI risk embedded. Fully cited.
Litigation Damages Analysis
$18,000–35,000
7–14 days
Damages quantification, expert report format, testimony-ready. Certified appraisal available with AACI sign-off.
Get Started — Score an Occupation →
ORIGINATION

Origination Meets Risk Intelligence.

LendBridge is our automated origination engine — connecting complex borrower profiles to lenders through agent-driven pre-qualification. Borrowers with crypto holdings, RSU-heavy compensation, or self-employed income structures get routed to the right lender automatically. DataStars scores the employment risk. LendBridge routes the deal. Faster underwriting with forward-looking intelligence built in. Scoring methodology applies across mortgage lending, mortgage insurance, and income continuity underwriting.

Automated Origination Engine

LendBridge

→Multi-lender routing
→Complex income qualification
→Crypto & RSU underwriting
→AI risk pre-screen integration
Explore LendBridge →
SCORING API

One Endpoint.
Full Borrower Intelligence.

Score any borrower against the engine. Returns Volatility Score, risk tier, Distress Duration, and component breakdown. SOC and NOC classification supported.

Integrate borrower-level AI risk scoring directly into your loan origination system, portfolio management platform, or underwriting workflow. Every API call returns a full Volatility Score with Distress Duration estimate — the same intelligence that powers our PDF reports, delivered as structured JSON.

REST APIJSON ResponseSOC + NOCSub-Second ScoringBatch SupportWebhook Alerts
score_borrower · volatility assessment
POST /v1/score/borrower
Authorization: Bearer ds_live_...
{
  "occupation": "Financial Analyst",
  "employer": "Deloitte",
  "tenure_years": 4,
  "classification": "SOC",
  "income": 95000
}

→ 200 OK
{
  "volatility_score": 0.72,
  "risk_tier": "HIGH",
  "distress_duration_months": 14,
  "base_score": 0.78,
  "company_modifier": -0.08,
  "mobility_modifier": +0.02,
  "severance_cushion_months": 6,
  "confidence": "CONFIRMED",
  "classification_system": "SOC",
  "methodology_version": "2.1"
}

“This analysis constitutes forward-looking macroeconomic commentary on occupational exposure to technological disruption, analogous to industry risk assessments published by S&P Global Ratings, Moody's Analytics, and similar institutions.”

Regulatory Classification — embedded in every DataStars output

Let's Talk.

For institutions integrating AI economic intelligence, regional agencies navigating workforce transition, or strategic partners building in the space.

Schedule a Briefing
30 min · Confidential · No commitment
Partnership Inquiry
Strategic · Technical · Regional