01
Eligibility
Represent product qualification criteria as structured rule conditions and outcomes.
Configure policy across the lending decision.
Structure the criteria, outcomes and routing paths that shape how an application moves through your lending workflow.
02
Credit Policy
Translate lending-policy inputs into a consistent decision sequence.
03
Pricing
Configure pricing outcomes around the inputs and policy ranges in scope.
04
Loan Amount
Set decision logic for eligible loan-amount bands and calculated limits.
05
Tenure
Apply configured criteria to available repayment-tenure options.
06
Lender Routing
Direct applications into configured lender and product workflows.
07
Risk Controls
Coordinate risk conditions and review outcomes within the decision flow.
08
Fraud Rules
Represent supported fraud signals as conditions for review or workflow action.
From lending data to workflow action.
A structured evaluation path turns available inputs into a configured decision and the next operational step.
Data Inputs
Bring configured application, credit, product and partner context into evaluation.
Rule Evaluation
Evaluate rule groups, conditions and operators against those inputs.
Decision
Return the configured outcome from the evaluated policy path.
Workflow Action
Send the decision into the relevant lending-workflow action.
Audit Trail
Represent the evaluated path for review where supported and confirmed.
Audit output is shown as part of the target decision flow; its implementation scope must be confirmed for the deployed product.
Build policy as structured, readable logic.
Organise inputs into rule groups, combine conditions with clear operators and map evaluated logic to business actions.
Rule builderPolicy workspace
Rule groupPersonal loan eligibility
Draft conceptConditions
ANDOR
ActionsTHEN
Governance
Governance controls must match your operating model.
Governance is critical to lending decision infrastructure. The current product material does not confirm the operating behaviour of the controls below, so they are identified for product validation rather than presented as available features.
No unverified capability claims Maker-checker, rollback, approval, audit-history and simulation capabilities are not presented as available until confirmed by Xcelet product teams.
Versioning
Version lifecycle and publishing behaviour require product confirmation.
Approval Workflow
Approval roles and operating flow are not confirmed in current product data.
Audit History
Audit-event scope, fields and retention require product confirmation.
Testing / Simulation
Testing and simulation behaviour is not represented as available.
Decisioning inside the lending stack.
Bring available lending context into the rule engine, evaluate configured policy, then return the outcome required by the surrounding workflow.
InputsCustomer KYC Bureau Bank Statement Product Partner
Xcelet BRE
Inputs → Rules → Outcomes
Illustrative architectureOutputsEligible Reject Review Pricing Loan Amount Lender Route