# Oculi: A Conversational Agentic Platform for Automated Credit Risk Analysis

arXiv: https://arxiv.org/abs/2608.28944 · HTML: https://mlsanity.com/paper/2608.28944/

## Key facts

- No citing papers in the map yet (data through 14 Oct 2026).
- Placed in Financial trading and forecasting agents, one of 16 directions in LLM agents and tool use.
- Builds on 6 of its 22 references that are in the map.
- First posted on arXiv 28 Aug 2026.

## Placed in

- LLM agents and tool use / [Financial trading and forecasting agents](https://mlsanity.com/agents/financial-trading-and-forecasting-agents/)

## Builds on (most cited first, 6 of 6)

- [ReAct: Synergizing Reasoning and Acting in Language Models](https://mlsanity.com/paper/2210.03629/) (2022)
- [A Unified Approach to Interpreting Model Predictions](https://mlsanity.com/paper/1705.07874/) (2017)
- [XGBoost: A Scalable Tree Boosting System](https://mlsanity.com/paper/1603.02754/) (2016)
- [Toolformer: Language Models Can Teach Themselves to Use Tools](https://mlsanity.com/paper/2302.04761/) (2023)
- [Evaluating the Text-to-SQL Capabilities of Large Language Models](https://mlsanity.com/paper/2204.00498/) (2022)
- [Data Formulator: AI-powered Concept-driven Visualization Authoring](https://mlsanity.com/paper/2309.10094/) (2023)

## Abstract (arXiv)

Credit risk analysis in financial institutions traditionally requires analysts to manually write SQL queries, run statistical computations, and build visualization dashboards. This is a time-consuming workflow that limits exploration to familiar segments. We introduce Oculi, a conversational platform that transforms natural language questions into comprehensive credit risk analyses, complete with data queries, statistical testing, and interactive visualizations. Oculi employs a three-layer architecture that separates reasoning (LLM-powered agent), execution (Model Context Protocol tool servers), and presentation (agentic UI), enabling analysts to discover high-risk portfolio segments. Within Oculi, a new segment discovery pipeline is proposed that combines deterministic statistical methods with LLM-guided feature selection, leveraging LLM semantic domain knowledge alongside data-driven metrics to identify meaningful, actionable portfolio segments. Evaluated on a mortgage portfolio with 200+ features, Oculi demonstrates effectiveness in discovering material risk segments previously intractable through manual exploration, reducing time-to-insight significantly while maintaining auditability and statistical rigor.