25
years in credit insurance
The work sits in buyers, not in policies
One customer manages 500k buyers and 650k credit limits behind just 3,000 insureds. Policy counts hide the real operating load.
The hardest decisions are the slowest
Automation falls as exposure rises. The decisions requiring the most judgement also take the longest to resolve.
Exposure keeps moving after cover is granted
Buyer health, payment experience and portfolio concentrations change throughout the policy term. The limit decision is only the beginning.
Submission to Quote
From first submission to bound quote - every step augmented by AI.
Submission Intake
Submissions arrive incomplete and mis-prioritised. Tinubu's AI structures and prioritises every one from the first touch.
AI-powered document ingestion- Automated data extraction and validation
- Appetite-based prioritisation
- Multi-channel intake - email, portal, API
Triage & Clearance
Out-of-appetite risks filtered automatically. Standard straight-through. Complex escalated with full context.
- AI-driven dynamic triage
- Appetite-based routing
- SME straight-through processing
- Automated clearance against existing policies and claims history
Risk Scoring & Enrichment
Portfolio-level AI scoring across the full underwriting spectrum - enriched with multi-source data so every decision is informed by the wider book, not just the file in front of you.
- Portfolio-level AI scoring across the full underwriting spectrum
- Simultaneous multi-source data pull (D&B, Creditsafe, bureau)
- Automated gap detection
- Consistent appetite enforcement across all underwriters
Exposure Management
Tinubu aggregates exposure in real time - CRO guardrails and CUO targets enforced continuously.
- Real-time aggregation by buyer, group, country
- Capacity identification by segment and geography
- Facultative reinsurance decision support
Quote-to-Bind Orchestration
Tinubu orchestrates the quote-to-bind workflow end-to-end and connects natively to your existing pricing systems. Every decision visible and auditable.
- API-first integration with carrier pricing systems
- Real-time premium recalculation across the workflow
- Configurable rules for terms, conditions and approvals
- Full auditability on every quote-to-bind decision
AI-Powered Flow
Intake
Buyer request auto-ingested
Enrich
Multi-source data pull
Score
AI credit grading
Decide
Auto-approve or escalate
Notify
Broker & insured alerts
1/5
Policy Administration
From bound policy to retained risk - automated, auditable, and connected.
Policy Issuance
Every underwriting decision flows directly into issuance - documents generated, compliance checked, automatically.
- Automated policy issuance
- Dynamic document generation
- Jurisdiction and compliance checks at issuance
Premium & Declaration Management
Turnover declarations - a Trade Credit-specific requirement generic platforms fail to handle. Tinubu processes them automatically.
- Automated turnover declaration processing
- Premium and fee computation
- Billing system integration
Treaty Reinsurance & Co-insurance
Reinsurance managed separately creates data lag. Tinubu integrates treaty and co-insurance in the same platform.
- Treaty reinsurance management (portfolio-based)
- Co-insurance administration
- Reinsurer data for reporting
MTA & Policy Adjustments
Every mid-term change - limit adjustment, debtor update or policy amendment - triggers manual re-entry and approval. Tinubu automates MTA processing end-to-end - no hand-offs, no version mismatch.
- Automated MTA processing
- Limit adjustments & debtor list updates
- Policy document regeneration
- Approval workflow and audit trail
Broker & Insured Portal
Tinubu's portal receives structured submissions from brokers and insured parties, and returns real-time policy visibility - without extra operational work.
- Real-time submission portal for brokers and insureds
- Live policy and limit status
- Omnichannel access - web, mobile, API
Claims
From first notice of loss to continuous learning signal - every claim makes the platform smarter.
Claims Intake & Eligibility
Manual intake delays processing for hours or days. Tinubu's AI auto-ingests, classifies, and triages every claim from the first touch.
- AI-powered claims intake (email, portal, API)
- Automated document classification
- Eligibility validation
- Smart triage routing with full context assembled
Claims Validation & Indemnity
Manual coverage validation is slow and inconsistent. Tinubu's AI cross-references policy terms, history, and conditions - automated for standard cases, escalated for complex ones.
- AI-driven coverage validation
- Automated indemnity computation
- Policy-to-claim cross-referencing
- Consistent decisioning across all claims handlers
Settlement & Recoveries
Disconnected systems hide recovery status. Tinubu integrates payment execution, recovery management, and accounting in one workflow.
- Automated payment execution
- Accounting integration
- Real-time recovery status for all stakeholders
BUILD IN-HOUSE
P&C PLATFORM
TINUBU TRADE CREDIT
What you configure first
BUILD IN-HOUSE
Everything, starting with the credit domain itself: how limits work, how buyer groups aggregate, what happens when a limit is withdrawn mid-term, how premium follows declared turnover.
P&C PLATFORM
The credit domain has to be constructed on a general core before appetite can be configured. Much of the implementation time and risk sits in that work.
TINUBU TRADE CREDIT
Appetite, authority, scoring, automation thresholds, products, workflows, pricing and distribution. The credit foundation is already in the platform.
Time to value
BUILD IN-HOUSE
Longest path, and the design is yours from the start. Reasonable where the operating model itself is the differentiator.
P&C PLATFORM
Faster than building. Credit-specific mechanics are often handled with workarounds around a P&C-shaped core.
TINUBU TRADE CREDIT
Five launches documented in under nine months, one of them under six.
Credit depth
BUILD IN-HOUSE
Exactly what you design, and yours to maintain as the line evolves.
P&C PLATFORM
Turnover declarations and buyer-group aggregation are specific to this line and generally not provided by general policy administration systems.
TINUBU TRADE CREDIT
Buyers, limits, buyer groups, aggregation, declarations, claims and recoveries are part of the underlying model.
Risk expertise
BUILD IN-HOUSE
Your own analysts and data relationships, recruited and retained by you.
P&C PLATFORM
Software, without an in-house credit underwriting function behind it.
TINUBU TRADE CREDIT
A platform with 15 credit analysts, a proprietary scoring model and 160+ countries of coverage available alongside it.
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Scope the programme INITIALIZECredit insurance specialists and Tinubu platform experts scope products, distribution, policy lifecycle, risk and claims together.
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Iterate with live demos CONFIGUREAgile sprints with a working demo every two weeks. Scoring and appetite rules are tested against your own historical data before go-live.
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Deploy around your calendar DEPLOY & TRAIN
Prioritised rollout aligned to your business calendar, with training for underwriters, risk, operations and claims.
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Stay embedded after go-live HYPERCAREA named customer success team stays embedded until your team is running on its own.
