Product
Turn lending policy into executable decisions.
Define eligibility, credit policy, pricing and routing as structured rules instead of hardcoded logic, and keep the path to every decision available for review.
Problem
Credit policy moves faster than release cycles.
When eligibility and pricing live inside application code, every policy change becomes an engineering task — and the reason a case was declined becomes difficult to reconstruct.
Lifecycle
Where decisioning sits in the lending lifecycle.
Acquire, verify, assess, decide, disburse, service and collect run against one application record. The highlighted stages are the ones this product operates in.
- 01
Acquire
—
- 02
Verify
—
- 03
Assess
—
- 04
Decide
Eligibility rules
- 05
Disburse
—
- 06
Service
—
- 07
Collect
Bucket queues
Capabilities
What the engine decides.
Eligibility
Apply product, income, age, location and policy criteria to an application.
Underwriting rules
Express credit policy as conditions evaluated against structured inputs.
Pricing
Derive rate, tenure and amount bands from the configured policy.
Routing
Select the lender workflow or queue an application should move into.
Risk checks
Run internal risk conditions before a case progresses.
Decision trace
Keep the evaluated conditions available for operational review.
Workflow
Inputs, rules, decision, action.
- Step 01
Inputs
Application, bureau, verification and statement data are collected.
- Step 02
Rule set
The configured conditions for that product are selected.
- Step 03
Evaluation
Conditions are evaluated in the defined order.
- Step 04
Decision
An outcome with its supporting conditions is produced.
- Step 05
Workflow action
The application moves, routes or queues accordingly.
- Step 06
Review
Teams inspect the decision path when a case is questioned.
Use cases
Policy changes, product launches and partner-specific criteria.
Adjust a cut-off, launch a product variant, or apply different criteria per lender or partner without reworking the borrower journey.
Integration
What connects to it.
- Bureau data and risk signals
- Bank Statement Intelligence output
- KYC and KYB verification results
- Lending Platform workflow and queues
- Integration Gateway lender routing
Next step
Bring your credit policy into a reviewable form.
Share how eligibility and pricing are decided today and we will show how the same policy is expressed as rules.
Not ready for a conversation? Try the free Bank Statement Analyser.