Private credit in the age of AI

AI is embedded across the private credit ecosystem – but operational impact depends on integration, data foundations, and governance 

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AI-powered private credit 

Key findings at a glance

Private credit has moved beyond AI experimentation. In our survey of 105 senior private credit leaders, 85% say AI is embedded in private credit activities, and 68% say it is embedded in a way that drives competitive advantage.  

Yet the report finds adoption depth remains uneven, with many firms still building the operating discipline required to scale AI safely and consistently.  

 

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85%

report AI is embedded in private credit activities 

68%

say AI drives competitive advantage

76%

cite investment decision-making as the greatest area of AI value

63%

are implementing AI/automation in the middle office, while 27% have already done so 

94%

say AI/technology is very or critically important to retail access

From adoption to operating discipline

AI is already delivering the strongest value in investment decision-making (76%) and risk management and monitoring (63%).  

The next step is operational integration: 63% of firms are currently implementing AI or automation in middle-office operations, while 27% report these programmes are already complete. 

The latest research report explores: 

    • Where AI is delivering value today across the private credit lifecycle  
    • Middle-office automation as the new operational core  
    • Why retail and non-institutional access increasingly depends on AI-driven operational economics  
    • Data, real-time operations, and the infrastructure required for scale  
    • Governance, cyber risk, and accountability as AI becomes operational infrastructure  

 

 

Get in touch

If you are a fund manager or allocator looking to embrace the growing potential of private credit, contact us and see how we can assist you today. 

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