PISTIS® Credit Management Platform

Unified Credit Risk Platform from Pre-Screening to Early Warning

From onboarding to repayment, manage credit risk dynamically across all loan stages. Screen faster, assess smarter, and respond to changes with full control and explainability—powered by real-time data and automation.

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Licensed innovative
credit scoring provider

01
Holistic

End-To-End Credit Risk Control Across All Products

Support consistent credit risk control across the full customer lifecycle—onboarding, underwriting, pricing strategy, and early delinquency detection. From personal loans to BNPL, manage diverse products with unified policies, explainable decisions, and seamless deployment in one platform.

02
Agility

Launch Better Credit Strategies in Days

Empower your credit risk team to run A/B tests, backtests, and shadow validations with no-code tools. Simulate risk outcomes in a sandbox before going live, adjust strategies in real-time, and scale confidently without long development cycles or vendor lock-in.

03
Proactive

Spot Risk Signals Sooner, Act Before it Escalates

Track portfolio health across segments, loan types, and geographies. Identify early signs of delinquency, risk spikes, or policy inefficiencies. Use timely insights to recalibrate strategies—adjust credit limits, repricing, or user targeting in real time.

04
Transparency

Configure Everything Under Your Control

Customize rules, models, and decision flows to your credit policies using intuitive tools. Instantly deploy changes, meet compliance needs, and adapt to market shifts—without waiting for development cycles. Every decision is logged, auditable, and explainable.

How Our Decision Engine Works within Your Environment

Dive into Their Case Studies and Real Impact

Frozen Till It’s Not: The Slow-Burn Strategy Behind Sleeper Fraud

When fraudsters play the long game to trick lending systems, financial institutions must act swiftly. Identify coordinated behavior early and protect platforms at scale.
Challenges
  • Dormant accounts
  • Inconsistent behavior
  • Device anomalies

Credit Risk Analysis: From Traditional Methods to Digital & AI-Driven Approaches

Transform credit risk analysis by replacing slow, manual methods with AI-powered, real-time scoring, accelerating approvals, reducing defaults, and supporting growth at scale.
Challenges
  • Manual underwriting
  • Poor scalability
  • High defaults

The Bad Apples of Loan Brokers: How They Falsify Borrowers and Defraud Lenders

When applicants collude with loan brokers, how can financial institutions see through fabricated profiles and deploy defenses at every stage of credit risk analysis.
Challenges
  • Profile fabrication
  • Loan stacking
  • Hidden collusion

FAQs About PISTIS® Credit Management Platform

Can the platform be customized to fit our local risk policies and regulatory needs?

Yes. TrustDecision is built on a modular and flexible architecture, allowing banks and lenders to customize:

  • Credit scorecards
  • Decisioning rules and workflows
  • Risk thresholds and cut-offs

It supports country-specific regulations — including data privacy (e.g., PDPA, GDPR), fair lending practices, and local reporting requirements. This ensures you maintain compliance while tailoring risk strategies to your market conditions and credit appetite.

Does TrustDecision integrate with our core banking system, LOS, and credit bureaus?

Yes. The platform supports seamless integration with:

  • Core banking systems
  • Loan origination systems (LOS)
  • Credit bureaus and alternative data providers

Using RESTful APIs, message queues, or ESB connectors, TrustDecision can be deployed into modern or legacy infrastructures with minimal friction.

Can our team configure scorecards, rules, and strategies without IT or vendor support?

Absolutely. TrustDecision is a no-code platform designed for operational independence. Your credit or risk team can:

  • Build or import scorecards
  • Adjust rules and variables with a drag-and-drop interface
  • A/B test and backtest strategies before deployment
  • Push live updates instantly with full version control

This reduces time-to-market and gives you the agility to respond to regulatory or business shifts.

Is the platform explainable and audit-ready for compliance teams?

Yes. Every decision made by the engine is:

  • Traceable, with full logs of inputs, logic paths, and model outputs
  • Explainable, using clear scoring breakdowns and rejection reasons
  • Auditable, with rollback support, version tracking, and strategy history

This helps teams prepare for internal reviews, external audits, and regulatory compliance with confidence.

Can we manage portfolio risk across products, customer types, or regions?

Yes. TrustDecision supports end-to-end portfolio risk management across products, geographies, and customer groups — giving you full control and visibility at every level.Key capabilities include:

  • Granular segmentation: Group customers by loan type, channel, risk score, location, or industry to tailor strategies.

  • Behavioural scoring: Continuously assess repayment behavior to detect early warning signs or upsell opportunities.

  • Dynamic limit adjustment: Adjust credit limits based on risk scores, performance, and profitability.

  • Real-time portfolio analytics: Monitor exposure, approval trends, and delinquency across regions or product lines with built-in dashboards.

This allows risk and credit teams to proactively manage exposure, reduce NPLs, and optimize portfolio health — all from a single platform.

Automate Reviews, Surface Patterns, and
Accelerate Decisions with ARCHER® AI Agents

Risk Identification Agent

Detects behavioral anomalies by analyzing multi-source data and uncovering hidden risk signals

Strategy Optimization Agent

Recommends and refines decision strategies by mining features, testing variables, and adapting to evolving scenarios

Automation and Testing Agent

Accelerates rule configuration, test validation, and model deployment through intelligent task automation

Business Analysis Agent

Automatically interprets and summarizes key insights from complex reports to streamline decision-making and reviews

Reporting Agent

Detects behavioral anomalies by analyzing multi-source data and uncovering hidden risk signals

Consult Our Expert

Let’s discuss your goals—whether it’s reducing fraud losses, improving credit approvals, or scaling risk management.

Get In Touch