Your credit policy becomes the decision flow that runs
Your credit policy lives in a PDF or spreadsheet. Decisimo's assistant proposes its decision flow, and your risk team accepts each part before applying it. The team can then change the policy that runs in the portal.
Build the decision flow from your policy document
Upload your credit policy as a PDF or spreadsheet. The assistant proposes the decision flow, and your risk team accepts or rejects each step. Nothing is applied until the team applies the plan.
Keep the policy document as the reference
The policy document stays in the portal, with each requirement citing its place in the document. Select a requirement to highlight the passage in the PDF. A release check returns a verdict for each requirement, and a requirement counts as met only when it was judged. See what regulators ask lenders to evidence.
Change the policy, compare its effect, then deploy
Edits in the portal create revisions you can compare side by side or revert. The impact analyzer reports which past decisions would change, and saved test cases run again as regression tests. Nothing runs until a release is deployed to an endpoint. When the endpoint has an approval sequence, that sequence must be signed first.
Read why a test decision came out as it did
A test run shows the scorecard bin and contribution for each value, then the decision table row that fired and the reason it wrote. The fired row also shows the values used for the decision, including the debt-to-income ratio and score.
Questions we get asked
Can the assistant change my credit policy on its own?
The assistant proposes a decision flow for your team to review. Each step is accepted or rejected separately, and only accepted steps are built when you apply the plan.
Which file formats can I use for my credit policy?
Upload the policy as a PDF or spreadsheet. The assistant uses it to propose the decision flow.
How do I test a policy change before it runs?
Compare the revised policy with the earlier revision and run saved test cases again as regression tests. The impact analyzer also reports which past decisions would change. The release runs through an endpoint only after deployment.
How do I get started with credit policy management?
Start with your prepared policy document and review the proposed decision flow with your team. Follow the introduction guide.
Can I compare two policy revisions?
The portal compares two revisions of an artifact side by side, and a revision can be reverted. Two releases can also be compared.
Put your credit policy into practice
Book a demo to review how your policy can become a decision flow.