Credit Scoring & Risk Management

The platform seamlessly consolidates information from various sources to create a comprehensive risk assessment foundation:

• Internal banking systems (CRM, LMS, Data Warehouses)
• External APIs from credit bureaus and government registries
• Real-time transactional and behavioral data streams

Integration is achieved through pre-built connectors or visual integration scenarios without manual coding.

Enhanced capabilities: Unified data bus reduces latency and duplication, standardizes attributes, monitors source quality and availability with transparent audit trails. Incremental loading, caching, and smart retries ensure resilience to external provider failures with graceful functionality degradation.

Using visual data modeling, you can:

• Create unified customer record structures
• Automate calculation of debt burden, credit rating, and payment history
• Configure real-time data updates when new information arrives

Enhanced capabilities: Build a 360° customer profile across behavior, payment history, devices, geography, and channels—compute features on the fly and keep them fresh. A versioned feature store ensures decision reproducibility and transparency for regulators and internal audits. Dynamic segments and triggers update the profile on every meaningful event.

The built-in business rules and formula constructor enables:

• Define credit score calculation models
• Apply both simple formulas and external ML models
• Flexibly modify parameters without changing source code

Enhanced capabilities: Hybrid pipelines combine expert rules and ML models, support A/B tests, shadow deployments, and champion/challenger setups. Built-in controls for data drift, feature stability, PSI, and quality metrics. Versioning for rules and models with instant rollback and annotated change logs.

Automate decision outcomes with configurable strategies and orchestration:

• Process automation for approvals/rejections/referrals
• Rules for verification, additional documents, or manual review
• Orchestration of external services and KYC/AML checks

It enables consistent and traceable decisions at scale, minimizing manual work.

Enhanced capabilities: Event-driven workflows with idempotency and deduplication ensure reliable decision execution. SLA/timeouts, DLQ, and retries increase resilience. Full audit trail per decision: input data, rule/model versions, approval/decline reasons, and Explainability (LIME/SHAP) to ensure transparency for business and regulators.

The platform enables creation of dashboards and reports for:

• Tracking dynamics of scoring and portfolio indicators (PD, LGD)
• Analyzing risk concentrations by segments
• Preparing regulatory and management reporting

Enhanced capabilities: Unified command center: production monitoring, conversion/loss analytics, segment and cohort analysis, channel benchmarks. SLA and alerts for data degradation and decision quality. Automated threshold recommendations, backtests, and compliance-ready reporting.

The platform is designed with modularity and scalability in mind:

• Microservices architecture and auto-scaling support
• Cloud-native deployment and observability tools
• Secure data handling, RBAC, and audit logs

The solution adapts to growing demand across markets, products, and channels.

Enhanced capabilities: Containerization and infrastructure maturity: blue/green and canary deployments, observability (traces/metrics/logs), SLOs and error budgets. Multi-tenancy with flexible quotas and priorities—handle peak loads without degrading customer experience.

Organizations implementing similar solutions on low-code platforms typically achieve:

Important: This is an example of one of many possible configurations that can be created on our platform. Low-code development technology enables rapid deployment and adaptation of solutions for specific business tasks, regulatory requirements, and market changes.