Credit Default Insurance

Our Credit Default Insurance Approach

AGW’s Credit Default Insurance offers financial institutions a structured safety net against borrower default — transforming credit risk into growth potential across fintech, BNPL, and banking platforms. This solution protects financial institutions and retailers from customer default risk. Perfect for banks, lenders, and fintech players seeking reduced credit exposure.

1. Who It’s For

  • Banks & microfinance institutions.
  • Fintechs & digital lenders.
  • BNPL & installment payment platforms.
  • Retailers offering in-house credit.

2. Coverage Scope

  • Full or partial protection against non-payment/default due to: Job Loss, Economic Downturn, Customer Insolvency.
  • Applicable for personal loans, auto finance, credit cards, or POS financing.

3. Program Features

  • Custom-built for portfolio, borrower segment, or transaction-level.
  • Claims managed via CRM/API with client-side monitoring.
  • Regional compliance with MENA and GCC credit & lending frameworks.
  • Backed by A-rated global reinsurers.

4. Key Benefits

  • De-risks unsecured lending portfolios.
  • Enhances borrower eligibility & approval rates.
  • Unlocks securitization & funding access.
  • Supports sustainable credit growth without increasing NPL ratios.