Seafarers are hard to underwrite. The credit bureau sees gaps where there is steady employment — just offshore and paid in foreign currency.
The signal
Seaman's books cross-referenced with vessel manifests. When both documents check out — name, rank, vessel, dates — you have a verifiable employment record the credit bureau cannot see.
The result
Approval rate: 40% → 71%. Decision time: 31 days → 48 hours. Default rate on the new cohort after six months: within acceptable range.
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