Run your credit policy for each application, then change it
Your credit decision sits in application code or a vendor system, behind change requests. Decisimo runs your policy and lets the risk team change it in the portal.
From credit data to an outcome in one decision flow
Bureau and fraud data enter through data sources, then knock-outs, affordability and a score feed the credit policy table. It returns approve, decline or refer with a limit, a price and a reason. Each decision flow has its own endpoint. The decision engine for any decision includes its archive and backtesting.
Use the data and models you already have
A data source calls any provider with an HTTP API that returns JSON or XML, using your credentials. If a call fails, its output becomes a value that a rule can decide on. Models can run over HTTP or come as uploaded Python, R or Julia models, and Decisimo supplies no credit data or scores. Connect a provider through integrations.
See what a policy change does before it ships
The risk team edits the policy in the portal, and every save creates a revision. The impact analyzer replays a change on past decisions and shows approvals, declines and amount lent under each version. A challenger strategy runs beside the champion using a split value sent by the lender’s system. Nothing runs until a release is deployed.
See the reason behind a decline
Every row of the credit policy writes a reason in plain language. A test run shows each step in order, including the scorecard’s points and the row that fired. See the files that go to an underwriter.
Questions we get asked
What is credit decisioning software?
Credit decisioning software runs a lender’s policy on the data it supplies and returns an outcome. Decisimo runs the decision flow from data sources through policy rules to an endpoint.
Is credit decisioning software a loan origination system?
No. Decisimo runs the credit decision, from supplied data through policy logic to an outcome with a limit, a price and a reason.
Does it provide credit data or scores?
No. Decisimo runs the lender’s policy on data the lender supplies. You connect the credit data providers and models used by your policy.
How do you test a policy change before it goes live?
The impact analyzer runs the current release and a changed one over past decisions or a file, then reports which decisions change. Saved cases can also run as regression tests.
Can the risk team change the policy without developers?
Yes. The risk team edits rule sets, decision tables and scorecards in the portal, where each save creates a revision. Start with the policy document in credit policy management.