Articles

  • Credit limit management for BNPL / Consumer lending

    Credit limit management in BNPL and consumer lending is not a one-time check. It starts at underwriting, continues through upsell and cross-sell decisions, and should also run during portfolio monitoring as customer behavior changes. This article covers the main factors behind limit setting, when to increase limits, and when to reduce them.

    Published on:: 2024-08-10 18:37:05

  • Credit risk strategy in micro-lending

    Micro-lenders face specific credit risks that demand a focused, operational strategy to cut default probability and improve repayment. This article defines four core risk groups (business, country, sector, borrower) and lays out practical controls: structured credit analysis, personal guarantees and collateral, LTV and term limits, risk-based pricing, portfolio reviews, provisioning, collections, and selective use of alternative data. It also shows how to encode these policies as auditable decision logic.

    Published on:: 2024-08-10 18:37:05

  • What data analytics areas need to be covered in the lending business - Decisimo

    Lending decisions rely on more than credit checks. This article explains the data analytics areas lending teams need to cover, from marketing and sales to risk, fraud, portfolio management, and process improvement, and shows how each area supports better decision logic.

    Published on:: 2024-08-10 18:37:05

  • How a Rule Engine Helps Reduce Costs in Fintech

    This article explains how a rule engine reduces loan approval costs by automating KYC and routine checks. It covers quality assurance gains, lower default risk from transparent decision logic, and why rule design affects compliance.

    Published on:: 2024-08-10 18:37:05

  • How to set up the process for credit approval

    This article explains how to set up an 8-step credit approval process, from application to funding, and where each step should support automated, auditable decision logic. It covers verification, credit checks, underwriting, approval outcomes, documentation, and funding, and notes that the steps vary by loan purpose.

    Published on:: 2024-08-10 18:37:05

  • Bridging Manual and Automated Scoring Models

    Manual scoring models used statistical scorecards but slowed decision-making with time-consuming data work. This article explains how machine learning-based automated scoring speeds evaluations and improves accuracy, and why causal analysis and second-order effects matter when you implement decision logic and decision workflows.

    Published on:: 2024-08-10 18:36:47

  • Creating Documentation for Credit Scoring Model

    Clear documentation separates a usable credit scoring model from one that is difficult to defend. This article covers what to include, from management goals and sample selection to the sampling methods used in training, validation, and out-of-time testing.

    Published on:: 2024-08-10 18:36:47

  • Decision Engineer: role, skills, and impact in automated decision making

    A decision engineer designs and builds decision models that automate decision logic while keeping outcomes transparent, explainable, and aligned with business goals. This article covers the technical skills, including data analytics, programming, and machine learning, and the soft skills, including domain awareness, clear communication, and problem solving, needed to design and deploy reliable automated decision-making.

    Published on:: 2024-08-10 18:36:47

  • Using Champion x Challenger in decision strategies

    Champion x Challenger is a practical way to test a new decision model against the one already in production. This article explains how it works, when to use it, and how to roll out a challenger safely before replacing the champion.

    Published on:: 2024-08-10 18:36:47

  • 5 Important Components of Rule Engine Architecture

    This article explains the five components of rule engine architecture that shape decision logic and operational control. It covers rule repositories, rule management and deployment interfaces, execution, and historical versioning for traceability and compliance.

    Published on:: 2024-08-10 18:36:09