From Wow to Value: Getting the Job Done for Credit and Procurement Analysts

For credit and procurement analysts, the value of generative AI is not measured by fluency or speed. Instead, it is determined by whether a solution completes the task, saves time and can be trusted in high-stakes decisions. For GenAI to become a practical solution, there needs to be a shift away from the model toward the user problem, data foundation and workflow where decisions are made.

A solution is only useful if it reduces work, not if it creates a new layer of review. If AI requires analysts to recheck every number and narrative, efficiency gains disappear. Speed without confidence does not provide value. Effective AI solutions begin with a clear understanding of what the analyst aims to produce — often structured output such as a credit memo or vendor assessment. Analysts should create a workspace that brings together data, unstructured content and insight, forming context for the user and AI, guiding how data is retrieved, prioritized and refined, and reducing the risk of hallucination.