Credit decisioning software for your own policy

Credit decisions sit in application code or behind vendor change requests. Decisimo runs your policy as one decision flow for the risk team to change and test first.

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One consumer loan application through the credit policy

  1. Application to endpoint

  2. Bureau and fraud data

  3. Policy knock-outs

  4. Affordability functions

  5. Application risk score

  6. Credit policy table

  7. Replay policy change

Your credit policy, run as one decision flow

  • Bureau and fraud APIsThe lender’s REST or SOAP calls return JSON or XML
  • Failed-call detailsA rule can read the error flag and HTTP code
  • Lender’s modelCall it over HTTP or upload a Python, R or Julia model

Decision engine

Consumer lending flow: Bureau and fraud > knock-outs > instalment > debt to income > risk score > Credit policy
Consumer lending decision runs bureau and fraud data, knock-outs, instalment, debt to income, risk score and policy.

The outcome comes back with its reason

  • Policy outcomeThe table returns approve, decline or refer, with a limit, rate or term
  • Plain-language reasonEvery table row writes the reason for its outcome
  • Test runSee each scorecard bin and its points, then the table row that fired
Execution view shows score 660 and a fired credit-policy row declining at debt-to-income 0.541 above the 0.5 limit
Demo test run scores 660, then declines at 0.54 debt to income above 0.5: commitments leave too little for this instalment.

See what a change does before it ships

  • Impact analysisCompare the current release with a changed one over past decisions or a file
  • Changed decisionsSee which decisions differ between the two versions
  • Decision mixCompare approve and decline, and the amount lent, side by side

Credit policy management

Impact analyzer compares baseline and comparison charts for approvals, declines and amount lent
Impact analysis of Credit policy compares approve and decline and amount lent under baseline and comparison side by side.

How a policy change goes live

  • Saved revisionsCompare or revert revisions and releases, and rerun saved cases
  • Challenger strategyThe lender’s system sends a split value to route each application
  • Endpoint releaseWhen an endpoint has an approval sequence, deployment waits for its signature

Real-time decisioning

When the policy refers an application

A referred application goes to an underwriter for individual application review.

Automated underwriting

Questions we get asked

What is credit decisioning software?

Credit decisioning software runs a lender’s policy on application data and returns an outcome such as approve, decline or refer. Decisimo runs the lender’s decision flow and returns the outcome with a limit, rate or term and a reason.

Can we use our own bureau data and scoring model?

Decisimo calls the lender's bureau and fraud providers and can call a lender's model over HTTP or run an uploaded Python, R or Julia model. It supplies no data or scores of its own.

Test a change to your credit policy

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