John Christiansen

Adaptive Repayment Optimisation for SME Lending: A Stochastic Programming Framework with Generative AI Explanation

The Adaptive Repayment Optimisation Engine is introduced, a novel framework that applies constrained stochastic optimisation to the design of loan repayment schedules for small and medium-sized enterprises (SMEs) and contributes to the operations research literature by bridging stochastic programming, explainable AI, and financial regulation in a novel application domain.