Solutions
Integrated Credit Engine
We simplify the loan application into a fully digital and fast flow. The credit engine operates silently and efficiently in the background.
A Credit Engine with Advanced Features
Our credit pipelines are powered by a flexible and intelligent engine that enables not only decision automation but also continuous optimization of your strategy. The entire process is integrated for the issuance of Bank Credit Notes (CCBs) through Geru SCD, ensuring security and agility from start to finish.
1. Champion-Challenger Policies & A/B Testing
Innovate with total safety. Test new credit policies (Challenger) against production rules (Champion), measuring real impact before large-scale implementation.
2. Risk-Based Pricing
Offer the ideal conditions for each customer profile with dynamic pricing that adjusts rates, limits and terms according to individual risk.
3. Multiple Product Pipelines
Manage your entire credit portfolio in one place with architecture supporting multiple independent pipelines — personal loans, installments, BNPL and more.
4. Progressive Credit Analysis
Optimize costs with an analysis that adapts to the journey, starting with simple checks and adding layers only when needed.
5. Score Combination & Knock-Out Rules
Combine the efficiency of automatic rules with the precision of statistical models for a fast, safe and intelligent decision process.