Scorecards that adapt to any use case
Weighted or rules-based scorecards with risk pricing. Configurable inputs from bureaus, Open Banking and internal data. All changes are auditable and traceable.
Multi-Scorecard Engine
Weighted or rules-based, no code needed. Build unlimited scorecards combining bureau data, Open Banking variables, lending history and custom fields. Set pass/fail thresholds on individual variables and define hard knockout rules that disqualify applications regardless of overall score.
- Switch between weighted scoring, points-based models and pure rules engines
- Version control lets you A/B test new models against production without risk
- Every scorecard change is audited with full rollback capability
Define decision logic once and deploy instantly. No timelines, reviews or developer wait times.
| Amount | Rep APR | Score | Q1 | Q2 | Q3 | Q4 | Status |
|---|---|---|---|---|---|---|---|
| £7,500 | 19.9% | Weighted | 9.9% | 14.9% | 19.9% | 24.9% | Live |
| £5,000 | 19.9% | Weighted | 12.5% | 16.9% | 22.5% | 29.9% | Live |
| £3,000 | 19.9% | Weighted | 14.9% | 19.9% | 24.9% | 34.5% | Live |
| £1,500 | 24.9% | Weighted | 19.9% | 24.9% | 29.9% | 39.9% | Paused |
| £1,000 | 29.9% | Weighted | 24.9% | 29.9% | 34.5% | 42.6% | Live |
Risk-Based Pricing
Tiered pricing driven by customer risk quartiles. Four risk bands (Q1-Q4) each with an associated rate range, automatically assigned based on applicant risk profiles.
- Define unlimited pricing tiers with configurable boundaries
- Works across multiple product variants simultaneously
- Single application receives tailored offers for secured, unsecured and guarantor products
Maximise portfolio yield whilst maintaining appropriate risk pricing across your product suite.
Case Triage
Assign, triage and resolve complex cases. Route cases requiring human review based on reason codes, risk bands and underwriter expertise. The referral view shows the case itself, an event log of ownership changes, and case notes tracking all actions taken.
- Unified underwriter workbench with all case information
- Application data, bureau reports, Open Banking summaries in one screen
- Intelligent routing based on expertise and capacity
- Complete decision history and affordability calculations
Empower your underwriting team with data and tools to make informed decisions quickly.
DTI at 52%. Requesting pay slips to verify income. Gambling exposure flagged.
Reassigning to Bradley, more capacity for affordability cases.
Applicant has provided additional pay slips confirming income increase effective next month. Gambling transactions are historical, member confirmed account closed. DTI will fall below threshold with new salary.
Override Governance
Rules-based overrides with designated approvers and full audit trail. Every override requires a written justification in the notes field, creating a complete governance record. Override views cover all issue types with clear audit trails.
- Define override limits by role and seniority
- Require dual approval for high-risk changes
- Maintain complete audit trail of every override
- Ready for regulatory review and compliance audits
Every override captures the reason, approver and outcome for regulatory transparency.
Decisioning Agent
The Decide module learns from historical decisions and continuously optimises scorecard performance, detecting anomalies and recommending improvements.
Model Optimisation
Analyse performance across your portfolio and identify opportunities to improve scorecard accuracy and reduce false positives.
Anomaly Detection
Detect unusual patterns in decision-making, approval rates and pricing to flag fraud or bias before impacting your portfolio.
Smart Recommendations
Get actionable recommendations to tighten or relax criteria based on outcomes and market trends.