Turn the credit policy document into the decision flow that runs

Your policy is a PDF or spreadsheet, while a developer's reading runs in code. Decisimo turns the document into a decision flow the risk team can change.

Start free See the stages

One credit policy, from document to endpoint

  1. Upload the policy

  2. List requirements

  3. Propose decision flow

  4. Approve each part

  5. Check against document

  6. Compare and replay

  7. Deploy the release

The assistant proposes, the risk team approves

  • PDF or spreadsheetDecisimo reads either file and extracts the policy requirements
  • Risk team approvalAccept or reject each proposal, then apply accepted items
  • Built itemsRule sets, tables, scorecards, trees, functions, data sources, LLM calls

See the policy guide

Proposed plan lists Application Knock-Out Rules and Product Interest Rate Pricing with accept or reject controls
Two plan items show accept or reject: age, sanctions and income checks, plus interest pricing by loan type, category and amount.

The policy document stays the reference

  • RequirementsEach one cites the passage it came from
  • PDF passageClick a requirement to highlight its source in the viewer
  • Release checkEach requirement gets a verdict and counts as met only when judged

See governance

How a release goes live

  • Endpoint deploymentThe policy runs only after its release is deployed there
  • Approval sequenceWhen the endpoint carries one, deployment waits for its signature
  • API endpointEach decision flow has its own endpoint

Compare and replay a change before it ships

  • Revision historyCompare revisions side by side, revert one, or compare releases
  • Regression testsSaved test cases rerun, and a release can run over a case file
  • Impact analysisCompare releases over past decisions or a file to see which change

See release testing

Decision table revision comparison shows original #2 and modified #3, with added and changed rows highlighted
Demo table Leasing terms: revisions 2 and 3 show two added, two modified, deposit 25 replaced by 20 and a revised reason.

A test run, read in order

  • Decision flowThe test run lists each part in order
  • Scorecard binsSee the bin each value hit and its contribution
  • Table rowSee which row fired and the reason it wrote
Execution details show a 660 score and credit_policy row 2 declining at 0.541 DTI above the 0.5 limit
Test run: four predictors total 660, and debt to income 0.54 exceeds 0.5, so commitments leave too little for this instalment.

Questions we get asked

What is credit policy management software?

Credit policy management software turns a lender's written policy into decision logic used to assess applications. Decisimo reads a PDF or spreadsheet, extracts its requirements and proposes a decision flow for the risk team to review and approve.

Does AI set credit policy thresholds?

The assistant proposes a plan from the policy document, and the risk team accepts or rejects each item. It does not set thresholds on its own.

How do I check whether the running policy matches the document?

Decisimo checks a release against your policy document, requirement by requirement. Each requirement gets a verdict and counts as met only when judged.

Start with your credit policy

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