Customisable and automated workflow that simplifies the credit decisioning process

TrustDecision's Credit Risk Decisioning solution is designed to automate and streamline the credit risk assessment process, focusing specifically on loan inquiry, application, and disbursement stages. It provides tools to assess credit risk, set rules, and create workflows for the loan application process.  By integrating real-time data and providing customized credit risk assessment, our solution enhances efficiency, making the entire loan approval process faster and more accurate.

The system combines multiple modules to enable a complete risk decisioning strategy, from data collection to creating indicators, setting rules, developing models, user profiling and strategy. It can all be achieved in a low to no-code interface. 

The engine calculates credit scores, risk factors, and customisable business rules with adjustable thresholds to make an instant decision on whether to approve, reject, or request further information for the application.

TrustDecision's credit risk decisioning engine is a modern alternative to the rigid, legacy systems used traditionally. We offer a modular, low-to-no-code platform that allows businesses to easily customise and adapt their credit risk strategies without heavy technical resources. 

The engine provides real-time decisioning, instantly calculating credit scores with customized business rules. Automatically approve, reject or request additional information based on an adjustable risk threshold. 

Furthermore, TrustDecision provides alternative credit data insight which enhances overall credit risk assessment.

Our real-time adjustments feature allows businesses to adapt their credit strategies as market conditions evolve, such as during economic downturns or regulatory changes. The modular system enables the creation and fine-tuning of credit models by combining traditional data, alternative data, and fraud insights.

Leveraging AI and machine learning, it quickly analyzes large volumes of data to deliver fast, accurate decisions, increasing efficiency. Additionally, it's a scalable solution that allows businesses of all sizes to expand operations seamlessly when needed.

The solution ensures compliance with evolving credit risk management regulations by regularly updating its platform to meet standards such as GDPR and CCPA. It maintains robust data privacy and security protocols, allowing businesses to confidently handle sensitive data in line with regulatory requirements.

Additionally, the solution is designed to adapt to evolving regulatory requirements by providing customizable rules and workflows that can be easily adjusted to meet new compliance standards. Real-time monitoring and data integration ensure that businesses stay ahead of regulatory changes, minimizing the risk of non-compliance.