The company’s risk management framework relies on a continuous loop of monitoring, analysis, and human oversight. By embedding the Hawkeye detection system and the DiTing decision-making engine into its pre- and post-loan processes, Yiren Digital processes approximately 30,000 risk credentials daily. These tools allow the firm to flag suspicious patterns, ranging from counterfeit documentation to sophisticated video-based fraud attempts, before they impact the company's balance sheet.
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Yiren Digital Claims RMB165 Million Saved Through AI Fraud Detection
Yiren Digital intercepted 10,300 fraudulent borrowers in 2025, preventing an estimated RMB165 million in financial losses. The Beijing-based firm utilized its proprietary Hawkeye and DiTing platforms to automate risk management, marking a shift toward integrating enterprise-grade AI into the core of its credit-underwriting infrastructure.
Ning Tang, Chairman and CEO of Yiren Digital, noted that the third-generation technology is now being offered as an exportable service to other financial institutions. The system draws on a blacklist database containing roughly 800 million records to refine its screening rules. Beyond automated filtering, the company maintains a governance structure where AI-generated work orders are escalated to specialists to ensure decisions remain consistent and reviewable under strict financial regulations.
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