The Challenge
Quality inconsistency was the breaking point. The Credit Risk Analyst's outputs varied dramatically depending on workload, time of day, and personal bandwidth. For a function as critical as credit, the team needed deterministic, repeatable execution — something a human workforce structurally cannot provide.
"A custom Claude Sonnet agent trained on internal SOPs now handles credit scoring models, default probability analysis, portfolio risk assessment, outperforming the previous senior Credit Risk Analyst in speed and consistency."
Interactive ROI Model
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Live ModelIncludes salary, benefits, equity, and taxes.
Includes SaaS fees, tokens, and maintenance.
The Solution
They chose Claude Sonnet for its superior performance on finance-specific benchmarks. The agent was deployed with a tool-use framework that gives it access to internal databases, APIs, and document stores — effectively replicating the Credit Risk Analyst's entire digital workspace.
Productivity Analysis
40hr week, minus PTO, holidays
24/7/365 · No downtime
An AI agent delivers 6,880 additional operational hours per year compared to a human employee — equivalent to hiring 5 additional FTEs.
Key Results
Results exceeded projections. The 35.7x ROI captured only the direct cost savings. Factoring in the elimination of recruiting costs ($25k), onboarding time (3 months), benefits ($68k), and management overhead, the true multiple approaches 50.0x.
Why This Works
No FICA, FUTA, or state UI taxes.
Eliminate stock grants and vesting liabilities.
No 3-6 month ramp-up period.
Consistent quality with no fatigue.
No health insurance or 401k match.
Scale agents instantly.