Strategy Design & Configuration
Build and deploy rules, workflows, and strategies in a low-code engine — no developers required.
Throughout, Creditinfo conducts knowledge transfer so local teams can independently own scorecard monitoring and strategy management over time.
Where sufficient history exists, Creditinfo can develop and deploy a bespoke scorecard; where it does not, a generic / expert scorecard is deployed with a clear migration path to a full bespoke model once data accumulates.
Scorecards are built for both thick-file and thin-file customers, and decision strategies cover policy rules, limit assignment, customer segmentation, risk-based pricing, and scoring cut-off strategy.
These are deployed through IDM's low-code decision engine, so credit and risk teams can build, modify, and sequence rules and workflows without relying on IT — with changes configured and live in hours.
Key Features
- Bespoke application scorecard development
- Generic / expert scorecard with migration path
- Thick-file and thin-file customer modelling
- Policy rules and limit assignment
- Customer segmentation and risk-based pricing
- Scoring cut-off strategy optimisation
- Low-code engine — build and deploy without IT
- Knowledge transfer for local team ownership
Use Cases
- Encode institutional credit policy into automated rules
- Deploy a scorecard fast, then migrate to bespoke
- Build product-specific decisioning for each lending line
- Empower risk teams to own strategy without IT
- Configure tiered and risk-based lending approaches
- Optimise cut-offs to balance volume and risk