Enterprise AI Powered Analytics and Infrastructure.
Revenue Generating
AI Solution.
Our flagship platform, aliyaOS™, transforms how banks lend by turning fragmented processes into a single, autonomous system that integrates data, decisioning, risk management, and capital markets.
aliyaOS™ operates 24/7 with zero human intervention, helping financial institutions grow deposits, reduce losses, and scale lending profitably — with enterprise-grade governance.
LIVE with a top 5 U.S. Bank since 2018.
$30B+ Applications Decisioned
AI that Automates, Engages, and Generates Revenue
~5%
ROA
~90%
Reduction in
cost-to-serve
<5 min
Application-to-close time
Risk-Controlled Earnings Growth
aliyaOS delivers a risk-first lending system built in layers.
By unifying cash-flow intelligence, advanced risk analytics, digital experience, continuous monitoring, and capital optimization, banks achieve 40–50% lower losses with stronger, more stable returns.
Operational Efficiency
at Scale
Fully digital, agentic lending workflow → 90% lower unit production cost.
Runs alongside existing systems — no rip-and-replace.
Live in 12–16 weeks.
Fee Income & Capital Optimization
Direct-to-capital markets that allows banks to hold or sell loans in real time.
Generate gain-on-sale and servicing fee income to help manage NII volatility.
Deposit Growth &
Customer Engagement
Turn everyday banking data into personalized credit offers that build stickier relationships and deeper wallet share.
Aliya uses cash-flow intelligence to target and engage customers — growing deposits through lending.
Close loans in <5 mins — supporting automation.
The Future of Lending is Agentic.
No more point solutions. One platform that powers marketing, underwriting, portfolio risk, and capital optimization end-to-end – running lending programs – 24/7.
Every step is orchestrated through a single agentic workflow — delivering instant decisions, same – day funding, and stable returns.
Full regulatory compliance
Always-on operations
Proven Profitable AI
Measurable ROI. Real-World Scale. 100% Turnkey.
This isn’t theoretical AI.
It’s live infrastructure running inside a U.S. mega bank since 2018
Built for
Enterprise.
Enterprise-grade governance, scale, and compliance.
Driven by intelligence.
Real-time, data-first decisioning across the lending lifecycle.
Designed
for precision.
High-fidelity model. Risk-first pricing. Instant fulfillment.
What powers aliyaOS™?
aliyaOS™ fuses proprietary cash-flow intelligence with next-generation credit risk modeling to create an autonomous, agentic orchestration system that runs lending end-to-end 24/7.
What powers aliyaOS™?
aliyaOS™ fuses proprietary cash-flow intelligence with next-generation credit risk modeling to create an autonomous, agentic orchestration system that runs lending end-to-end 24/7.
Data Capture & Security Layer
aliyaOS™ ingests, cleans and enriches data from DDA accounts, credit bureaus, and third-party sources — all within an infrastructure built for data security.
- SOC 1 & 2 (Type II), ISO 27001 certified
- Data encrypted at rest and in transit
- Proactive threat detection and 24/7 monitoring
- Expert InfoSec team and secure cloud architecture
Intelligence Layer
Aliya’s AI engine is powered by proprietary, production-proven models.
- aSCORE™ – A third-generation credit risk model in production for eight years, uncovers risk distinctions traditional models miss — achieving up to 90% better separation for prime borrowers and 50%+ for mid-tier borrowers.
- aliyaTRANSACT™ – Trained on 1.2T+ transactions from ~1,500 banks with 99% accuracy, converting raw transaction data into real-time cash-flow intelligence in milliseconds.
Together, these models size, price, and decision loans using cash flow, risk, policy, and return targets — producing compliant offers in seconds.
Customer & Capital Management
From application to funding to syndication, aliyaOS™ delivers a frictionless, fully digital lending experience.
With aliyaOS™ institutions can:
- Instantly generate personalized, risk-aligned offers
- Book and fund loans with zero manual intervention
- Provide a fully digital application flow — closing loans in under five minutes
- Syndicate loans in real time into private credit markets
Command & Control Layer
aliyaIQ™ is the AI-powered control center behind every decision. It unifies marketing, underwriting, verification, origination, fulfillment, and servicing into a single autonomous orchestration layer that runs lending end-to-end, 24/7. It enables banks to:
- Identify, target, and engage the right borrowers when they’re shopping
- Build optimized portfolios bottom-up to meet target ROA and risk-adjusted-return thresholds
- Continuously monitor conditions to optimize marketing, pricing, credit, and capital allocation in real time
From acquisition through repayment, aliyaIQ™ optimizes the entire loan lifecycle with full transparency and control.
One Intelligent Workflow. No Human Handoff.
From borrower intake to credit decision, funding to syndication, and performance oversight — aliyaOS™ orchestrates every function in the lending lifecycle. One ‘always on’ system. Zero manual work. No disconnected tools.
Deploy in Weeks.
No Rip and Replace.
Aliya’s plug-and-play platform is built to deploy fast and scale securely.
From onboarding through workflow design to go-live, the system can be operational in under four months with full support across risk, compliance, and technology teams.
Built for Trust. Compliant by Design.
aliyaOS™ meets the most rigorous global standards for data protection, availability, and privacy to ensure every decision is secure, auditable, and compliant.
From infrastructure to daily operations, security is foundational to aliyaOS™. We align with leading regulatory frameworks, maintain strict internal controls, and proactively manage risk across every layer in the system.
SOC 1 Type II and SOC 2 Type II
- aliyaOS™’s infrastructure, applications and operations were developed to comply and align with the most rigorous legal and regulatory requirements in industries today.
- We adhere to the stringent SSAE 18/ISAE 3000 Service Organization Control (SOC), SOC 1 and SOC 2 security frameworks, ensuring that data security and availability, processing capacity, confidentiality and privacy are all rigorously maintained.
ISO 27001
Our International Organization for Standardization (ISO) 27001 certification reflects our commitment to maintaining a formal Information Security Management System (ISMS) that safeguards the security and availability of client data within our platform and application. The ISO 27001 means that we follow internationally recognized best practices and principles in place to govern and secure your data.
Data Encryption
aliyaOS™ uses strong encryption of all data, both in transit and at rest – your data remains encrypted at all times in our environment. While our cloud providers host our data, they do not have access to it. Further, our cloud providers and their processes are fully compliant with SOC and PCI DSS certifications.
Threat Detection
We protect your data with state-of-the-art tools and products, including web application firewalls, intrusion detection, anti-malware, two-factor authentication, file integrity monitoring, threat evaluation and risk management tools. We continuously monitor the security of our environment, with processes designed to proactively mitigate risks up front and handle vulnerabilities on an ongoing basis.
Information Security
Aliya’s InfoSec team is led by industry experts, and our entire company is trained in security and data protection. Security is a cornerstone of our daily operating environment, where our personnel are an integrated component in the overall security team, ensuring a secure and compliant environment for hosting client data, including PII.
Leadership
S.P. “Wije” Wijegoonaratna
Co-Founder and CEO
- Wije Wijegoonaratna, Co-Founder and CEO of Aliya, is a leader in applying artificial intelligence to global banking. He has over 15 years of macro hedge fund investing experience and has spent nearly a decade advancing AI-powered credit and risk capabilities.
- He previously managed portfolios at Discovery Capital, Moore Capital, and Fortress, and has served on the boards of fintech innovators including SoFi and Cardlytics. Earlier in his career, he co-founded Banyan Fund Management, managing assets for Julian Robertson and George Soros. Over the last eight years, his work with a top five U.S. bank has produced transformational AI underwriting solutions decisioning over $30B in loans.
- Wije is also an active philanthropist, supporting housing, education, and community stability initiatives in Sri Lanka focused on empowering women and strengthening family resilience.
Robert K. Citrone
Co-Founder and Chairman
- Rob Citrone is a globally recognized investment leader and the founder of Discovery Capital Management, where he has spent over 25 years managing multi-billion-dollar, multi-asset portfolios with a particular focus on emerging markets.
- He began his career at Fidelity in 1990, becoming one of the firm’s youngest fund managers and growing the Emerging Market Fixed Income & Currency Fund to more than $7 billion in assets under management. He later joined the macro investment team at Tiger Management before launching Discovery in 1999. In addition to his investment leadership,
- Robert is a major shareholder and longtime board member of the NFL team, Pittsburgh Steelers and a committed philanthropist, honored with the Dr. Freddie Fu Sports Leadership Award for his significant contributions to the Pittsburgh community.
Adam Cohen
President
- Adam Cohen is a seasoned fintech founder and former CEO of Laso and QuarterSpot, where he built an automated small-business lending platform that originated nearly $1 billion in loans and executed more than $700 million in capital markets transactions.
- He later spun out the core technology to launch Laso, an AI-driven SaaS platform that underwrote over $20 billion in credit with exceptional operational efficiency before its acquisition in 2021.
- Earlier in his career, he led GotCoders, co-founded Unigo, and served as Chief Software Developer at JetBlue, where he helped develop the world’s first FAA-approved Electronic Flight Bag and several of the airline’s foundational digital systems.