Case Study: Credit OK accelerates credit risk model deployment with Google Cloud

Looking beyond financial data to help micro entrepreneurs secure working capital

Credit OK is a Thailand-based fintech startup focused on improving financial inclusion by helping small businesses and micro-SMBs qualify for loans using alternative data instead of traditional credit bureau checks. As a cloud-native company, Credit OK needed a scalable way to ingest partner data, build risk models, and manage its data analytics and machine learning workflows efficiently, and it chose Looker as part of its Google Cloud stack alongside BigQuery, Cloud Run, and Cloud Functions.

With Looker-supported analytics on Google Cloud, Credit OK streamlined its end-to-end data pipeline and credit scoring operations, allowing the team to build a full data pipeline in three weeks instead of two months. The results included a 10x increase in credit risk model deployment speed, faster rollout of new repayment features during COVID-19 in under a month, and no need to hire dedicated infrastructure engineers, helping Credit OK run complex operations with a lean team.

Credit OK

Palm Phuwarat

Chief Product and Data Officer