Articles

  • Automating Business Lending Approval with Retool and Decisimo

    This guide shows how to connect Retool and Decisimo to automate business lending approvals. It covers setting up a Decisimo endpoint, building a Retool application form, calling the decision API, storing the result, and showing the outcome to the user.

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

  • Consumer Lending Hub | Decisimo

    Consumer lending depends on decisions. This hub covers the main decision areas in lending, from anti-fraud and underwriting to credit limits, portfolio management, analytics, and debt recovery. It also shows how a decision engine can automate each part of the process.

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

  • Setting up eligibility rules in credit lending

    Eligibility rules are the first layer in any credit decision flow, whether you offer consumer loans or BNPL. This article explains how to set a clear baseline, from regulatory checks like age and debt-to-income ratio to business-specific criteria such as employment history, credit score, and prior lending history with you. It also shows why these rules should be designed with later fraud monitoring in mind.

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

  • 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 it 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 flows.

    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