Weighted or rules-based scorecards with risk pricing. Configurable inputs from bureaus, Open Banking and internal data. All changes are auditable and traceable.
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.
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 |
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.
Maximise portfolio yield whilst maintaining appropriate risk pricing across your product suite.
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.
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.
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.
Every override captures the reason, approver and outcome for regulatory transparency.
The Decide module learns from historical decisions and continuously optimises scorecard performance, detecting anomalies and recommending improvements.
Analyse performance across your portfolio and identify opportunities to improve scorecard accuracy and reduce false positives.
Detect unusual patterns in decision-making, approval rates and pricing to flag fraud or bias before impacting your portfolio.
Get actionable recommendations to tighten or relax criteria based on outcomes and market trends.