9. The Human + Machine Frontier in Credit Investing

Sub-header: Augmenting—not replacing—credit expertise with AI.

Mini Description: The role of the credit analyst is changing. This white paper explores how AI assists decision-making, allowing human experts to focus on judgment while machines handle data. It outlines role shifts, training models, and workflow redesigns.

Highlights:

• The augmented analyst model
• Organizational change framework for AI adoption
• Efficiency gains: 3x analyst coverage with same headcount

Context: Adopted as part of internal change-management discussions at leading funds.

Already shared with senior leaders at top private-credit platforms.