Movemint Symposium 2026: Aditya Khandekar (Precision CUSO)

Aditya describes Precision CUSO as a CUSO focused on helping credit unions make “precise” decisions across the lending lifecycle. He says the goal is to support best-in-class decisioning so credit unions can compete with fintechs and banks. He explains that the platform sits beside the loan origination system, rather than replacing it. Precision CUSO is presented as an analytical decisioning environment where credit unions test and refine decision logic using data from the LOS and core banking systems. He uses underwriting as an example, mentioning risk scores, LTV, FICO bands, DTI, policy cutoffs, and different credit policies for different products. He says the platform is used both before and after loans are funded. Up front, it helps determine decision logic and credit strategy. After funding, it supports monitoring of portfolio performance, expected loss, and recalibration of decisions based on results. On automation, Aditya says the company focuses on end-to-end decision automation, not just scoring. He notes that third-party scores are inputs, but that multiple steps still require decision logic and sometimes manual review. Precision CUSO is described as the layer that helps automate the full decision process. He says a credit union CLO would see near real-time dashboards showing acquisition metrics, auto-approvals, auto-declines, roll rates, and early portfolio performance. He contrasts that with the manual process of gathering and analyzing data across teams. Aditya also says the company fits with Movemint through prospecting and wallet-share growth, including AI-driven propensity models and messaging. He says the CUSO was formed by Teachers Federal Credit Union and Corridor Platforms, and that Teachers has used the system for more than two years. He adds that credit unions should own and control their decisioning transparently, rather than relying on a black box. He says Precision CUSO connects mainly to data lakes, can use core banking data when needed, and delivers decision logic through API-enabled artifacts.