Credit decisioning engine
The credit decisioning engine is the foundation of a profitable loan portfolio.
Benefit from an AI-powered solution
Smarter processes
with AI-driven
lending system
GiniMachine analyzes client data to generate insights
that assess potential borrowers’ creditworthiness and help shape your approval policy. This no-code solution, integrated into HES LoanBox, takes the stress out of credit decision-making.
that assess potential borrowers’ creditworthiness and help shape your approval policy. This no-code solution, integrated into HES LoanBox, takes the stress out of credit decision-making.
Desicion-making
Speed up your
lending operations
Speed up your credit decisioning process—from hours to seconds.
Bonus: eliminate human biases when evaluating applicant profiles. Our platform supports
rule-based decisioning and integrates seamlessly with multiple credit bureaus, making
the process smarter and more informed. Choose manual, semi-manual, or fully automated
decision-making—whatever works best for your company’s goals.
Bonus: eliminate human biases when evaluating applicant profiles. Our platform supports
rule-based decisioning and integrates seamlessly with multiple credit bureaus, making
the process smarter and more informed. Choose manual, semi-manual, or fully automated
decision-making—whatever works best for your company’s goals.
Product campaigns
Customize your
lending offerings
Businesses thrive when they adapt: to customer needs, changing market conditions,
and emerging opportunities. Our loan decisioning solution lets you customize your loan products
and adapt your approval processes for different borrower segments and credit products.
Whether you need automated checks for fast approvals or manual reviews for more complex
cases, the solution offers unmatched flexibility. Debts will be repaid, and customer
satisfaction will increase. It’s a win-win!
and emerging opportunities. Our loan decisioning solution lets you customize your loan products
and adapt your approval processes for different borrower segments and credit products.
Whether you need automated checks for fast approvals or manual reviews for more complex
cases, the solution offers unmatched flexibility. Debts will be repaid, and customer
satisfaction will increase. It’s a win-win!
Configurable workflows
Workflows that fit goals
AI-driven automated decisioning
Delays and inconsistencies should have no place in lending processes. With smart, automated
decision-making, you can rely on data-driven insights to make quick, reliable choices. Achieve
accuracy, efficiency, and confidence—all in one solution.
decision-making, you can rely on data-driven insights to make quick, reliable choices. Achieve
accuracy, efficiency, and confidence—all in one solution.
AI-driven automated decisioning
Delays and inconsistencies should have no place in lending processes. With smart, automated
decision-making, you can rely on data-driven insights to make quick, reliable choices.
Achieve accuracy, efficiency, and confidence—all in one solution.
decision-making, you can rely on data-driven insights to make quick, reliable choices.
Achieve accuracy, efficiency, and confidence—all in one solution.
Open banking
Unlock instant access to borrowers’ financial data with Open Banking. Make smarter, faster
loan decisions using real-time insights and complete transparency.
loan decisions using real-time insights and complete transparency.
Credit bureau integrations
Gain deeper insights into every applicant. Make smarter decisions with data from multiple
sources.
sources.
Scoring model
breakdown
Unlock the full potential of your scoring model with precise scorecards, powerful stop factors,
and customized business rules. Achieve smarter risk assessment and faster decision-making.
and customized business rules. Achieve smarter risk assessment and faster decision-making.
Scoring
Achieve greater accuracy
with AI/ML-based models
AI/ML-driven scoring ensures every decision is as informed as possible.
Customize models to suit your needs, reduce risk, and deliver results with
accuracy and speed. Decisions you can trust, every time.
Customize models to suit your needs, reduce risk, and deliver results with
accuracy and speed. Decisions you can trust, every time.
Loan underwriting
Role-based
task management
Simplify underwriting processes with role-based tasks.
Credit Verifiers ensure accurate borrower evaluations, align applications with loan
criteria, and deliver reliable decisions. Whether approving, declining, or requesting
updates, the workflow is efficient and stress-free.
Credit Verifiers ensure accurate borrower evaluations, align applications with loan
criteria, and deliver reliable decisions. Whether approving, declining, or requesting
updates, the workflow is efficient and stress-free.
Pre-built integrations
Take your credit decisioning to the next level with a solution that’s
fast, smart, and tailored to your needs.
fast, smart, and tailored to your needs.
Success stories
Automated loan
management software
AI-powered credit scoring
Configurable credit decision engine
3 months time-to-market
All workflows covered
FAQ
What is a credit decisioning engine, and how does it work?
Can the engine integrate with our existing systems and data sources?
What types of data sources can the engine work with?
How does the credit decisioning engine handle complex loan portfolios?
