Two people at a pale counter: one holds a tablet showing a summary, the other rests their hands beside a printed document and a pen.

Credit origination and management

Assesses, decides and manages credit from start to finish. It runs in production today, and it is assembled in modules to fit your process, your risk model and your sales channels.

Credit origination and management

Assesses, decides and manages credit from start to finish. It runs in production today, and it is assembled in modules to fit your process, your risk model and your sales channels.

The platform covers the full cycle: from capturing the applicant’s data to booking the obligation, with its running interest, its arrears and its backing instruments.

The hard part of credit is not saying yes or no. It is what comes before and what comes after. Before: the profile is built against sources that are not yours — each with its own format, its own availability and its own way of failing — and the operation has to carry on the day one of them goes quiet. After: what comes out of that profile is not an answer, it is an amount, a rate, a term and the instrument backing the operation.

It serves two buyers who share a platform but not a language: financial institutions, which extend credit as their business, and consumer goods companies, which extend it as a consequence of selling.

Where the profile comes from

  • Credit bureaux and history

    Payment behaviour and current indebtedness across the system, pulled as often as your policy requires and kept exactly as it arrived.

  • Restrictive lists and screening

    Screening against the lists your regulatory compliance requires you to check, with a record of what was checked and when.

  • Records and legal proceedings

    The applicant’s judicial and administrative standing, so an open case does not surface after the money has gone out.

  • What you already know

    Your own history with that customer: what they bought, what they paid and how they paid. It is the data no third party has, and usually the one that weighs most.

Assembled in modules

Your sales channels
The application comes in wherever you sell: the point of sale, the rep who visits the store, the distributor portal, the online store or the contact centre. Each channel brings different information and tolerates a different wait. The same credit is resolved in all of them.
Know your customer, know your business (KYC, KYB)
KYC and KYB. We verify who is about to receive the credit before assessing it. For a person: identity and document. For a company: that it legally exists, who represents it, and who really owns it. It connects, or it is left out if you already do this in another system.
The steps of the process
A thirty-day credit on merchandise does not need the same stations as a thirty-six-month consumer loan. They are removed and added without rebuilding the platform.
Your risk model
The model you decide with is yours: your variables, your segments and your cut-offs. The platform runs it and records which version decided each case. We do not replace it with one of ours, and several can coexist.
The policies
Limits, rates, terms and exceptions are yours, and they change without a deployment window. The platform applies whichever is in force and records which one it was.
The external look-ups
Every third-party source is either connected or left out. What your policy requires is checked, not one look-up more, and the operation carries on the day a source goes quiet.
The degree of human intervention
From deciding within policy with nobody watching, to escalating to a person the cases that call for it. You set that boundary, and it moves when your risk appetite does.

What you assemble is also what you pay for: nobody pays for channels, stations, policies or look-ups their process does not use.

How it is built

  • Architecture

    The core of the system depends on no vendor and no particular database. Changing one does not force a rewrite of the rest.

    How to verify itIt is checked on every change and blocks publication if it breaks. We can show you the configuration and the result.

  • Modularity

    Any module can be removed without breaking the others. None reaches inside another.

    How to verify itA tool checks it on every change. We can show you what fails when somebody crosses that boundary.

  • Continuity

    If an external source does not answer, the operation carries on the way your policy says, and there is a record that it went that way.

    How to verify itWe cut the source in front of you and you see what the platform decides and what it records.

  • Traceability

    Every decision keeps the policy applied to it, what was looked up, and when. Knowing why something was decided does not require asking anyone.

    How to verify itIt is a query, not a report somebody writes afterwards. It is done on the spot, on whichever case you choose.

  • Input data

    Every incoming record is validated before it touches business logic. What does not comply is rejected.

    How to verify itThe rules are code and there is a test for every rejection case. We can show you both.

  • Development cycle

    No change reaches production without human review and without passing the security checks. No password lives in the code.

    How to verify itThe checks are visible in the configuration and their result is recorded. A finding stops publication, and there is no way around it.

Where are you looking from?

Real operation

  • La plataforma de crédito opera en producción dentro de una entidad financiera, con redundancia y bajo carga real.

    [PENDIENTE: cifra de operación verificable — volumen mensual, disponibilidad o antigüedad exacta. La aporta el negocio antes del lanzamiento (FR-043d).]

    Entidad financiera · [PENDIENTE: magnitud de la operación, sin datos que permitan deducir la identidad]