Practice-Proven Solution for Mass Decision Management in Retail Loan Organizations

2. Visual design of credit strategies vs. script-based (business rules language based) design of business rules and strategies

The visualization of the loan origination strategy management is the most significant feature of the proposed solution since it allows the user to automate and optimize business information flow and logic structure in the form of separate or embedded strategies with no reliance on software releases and versions. Flexible connectors ensure easy access to any kind of data source which makes the solution a robust independent decision management system for any lending or subscription based business. Also, the inclusion of the Champion/Challenger technology allows for the constant optimization of strategies which ultimately allows for maximum performance of a lending portfolio.

Business Rules Management embedding is drifting away from the days of code-writing necessity. The current market landscape demands a completely visual and intuitive approach to strategy design, testing, and management. This new approach enables adapters to save on operational expenses, reduce learning curves, and eliminate the need to learn programming-like rules languages.

A single strategy can be reused in many decisions for varying credit products. The strategy design tool supports a variety of rule set types, including decision trees, scorecards, segmentations, parallel processing, data merge and many others. Visually represented decision logic determines which rule sets to evaluate under what conditions in order to return the decision.

1. Mass decision management system for credit granting decisions

3. Optimal combination of the modules in information system