Rule-based and ML-powered credit decisioning with explainable AI, policy management, and seamless bureau integration for faster, smarter lending decisions.
Intelligent credit decisioning that combines business rules with machine learning
Design complex business rules using an intuitive visual interface without writing code. Support for nested conditions and decision trees.
Deploy pre-trained ML models or bring your own. Support for ensemble models, gradient boosting, and neural networks.
Understand why a decision was made with detailed reason codes, SHAP values, and human-readable explanations for regulatory compliance.
Version-controlled policies with approval workflows, A/B testing, and champion-challenger frameworks for continuous improvement.
Pre-built connectors for all major credit bureaus. Unified data model for multi-bureau decisioning and cross-reference checks.
Sub-second response times for instant credit decisions. High-availability architecture with 99.99% uptime SLA.
From application to decision in milliseconds
Collect application data, bureau reports, and alternative data through APIs.
Transform raw data into decision-ready features using pre-built templates.
Run rules and ML models in sequence with configurable strategy flows.
Return decision with reason codes and log complete audit trail for compliance.
Built for enterprise-scale credit decisioning
Average decision time
Improvement in approval rates
Reduction in default rates
Regulatory compliance
Platform uptime
Decisions per day capacity
Join leading lenders who make smarter, faster credit decisions with FINVIJ.
