Consumer Lending Hub | Decisimo

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

In consumer lending, decision-making centers on several areas: anti-fraud, loan underwriting, credit limit setting, cross-/up selling, portfolio management, and debt recovery. A data-driven company can automate each area with the help of a decision engine.

If you are new to consumer lending and plan to set up a consumer lending business, you can learn more from our overview.

This hub covers topics related to decision-making across key areas of consumer lending.

Anti fraud

Loan underwriting

Portfolio management

Data Analytics

Decisimo decision engine

Try our decision engine.

Related Articles

  • Working with Basic Rules

    This article explains how basic IF-THEN rules work in Decisimo. You will learn how rule sets run in sequence and when a condition triggers an action. It covers comparing attributes or fixed values, choosing any versus all logic, and using number, text, datetime, and regex operators to implement deterministic decision logic.

  • 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 notes that the steps vary by loan purpose.

  • Key Metrics and Steps to Improve Collection Efficiency

    Collections protects cash flow by turning past-due invoices into cash and reducing bad debt. This article covers the key KPIs, including recovery rate, average days to collect, and cost of collections, and outlines practical steps to measure, monitor, and improve collection efficiency.

  • 3 Free Tools for Analyzing IP Addresses and Identifying Malicious Actors - Decisimo

    IP addresses can indicate a wide range of threats, from botnets to credential stuffing. This article reviews three free analyzers, Project Honey Pot, Barracuda Central, and AbuseIPDB, and outlines specific anti-fraud rules and decision logic to identify and block malicious IPs.

  • How to implement an automated decision strategy that keeps working under failure

    Automated decision strategy is not just about getting the happy path right. It also needs to keep making safe, explainable decisions when data is missing, providers time out, or a complex decision flow fails. This article shows how to design decision logic with failover and missing data strategies built in from the start.