What is a credit decisioning engine, and how does it work?

A credit decisioning engine is a technology solution that automates the evaluation of loan applications. It processes borrower data using rule-based and AI-powered tools, delivering fast, accurate, and data-driven decisions. This eliminates manual effort, reduces biases, and ensures consistency in loan approvals.

Can the engine integrate with our existing systems and data sources?

Yes, the credit decisioning engine is designed to seamlessly integrate with your current systems, including CRM, core banking software, and external data sources like credit bureaus and Open Banking platforms.

What types of data sources can the engine work with?

The engine can work with a variety of data sources, including credit bureaus, Open Banking platforms, financial statements, and alternative data sources.

How does the credit decisioning engine handle complex loan portfolios?

It supports rule-based, semi-manual, and fully automated decision-making, allowing you to evaluate various loan types and borrower profiles while maintaining accuracy and efficiency.

Credit decisioning engine

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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.

Decicion-making

Speed up your
lending operations

Speed up your credit decisioning process—from hours to seconds. Bonus: eliminate human bias when evaluating applicant profiles. Our platform supports rule-based decision-making 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.

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product estimate
in 3 minutes

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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!

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.

Open banking

Unlock instant access to borrowers' financial data with Open Banking. Make smarter, faster 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.

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.

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.

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.

Pre-built integrations

For any financial institution

SMBs

Banks

Credit
decisioning
engine for SMBs

Evaluate borrowers with precision, reduce manual effort, and eliminate bias. From rule-based to AI-powered decision-making, our engine supports seamless integration with your existing workflows and external data sources.

44%

boost in staff efficiency

Take your credit decisioning to the next level with a solution that’s
fast, smart, and tailored to your needs.

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Success stories

HES FinTech has been our reliable technology partner since 2012. I believe much of our success is due to the well-architected HES LoanBox solution.

Boris Batine

Co-Founder, ID Finance

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HES FinTech offers comprehensive front-to-back solutions with integrations. Our machine learning platform will allow clients best-in-class investment advice.