From fixed cutoffs to a policy that learns
All
Applications replayed
Every previous application used to optimise future policy rules
0
Code changes
To move a cutoff, your risk owner approves a new policy version. No deploy and no vendor order.
100%
Clear decisions
Green, yellow or red with the reasons explained, from the policy version you approved.
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See the effect of every rule
Risk Studio runs your policy as you wrote it, on every application you received last month. Each rule shows how many applicants it approved or declined, and how each side of the cutoff fared afterwards.
Test a cutoff before it goes live
Draft a new cutoff or rule and run it on the same applicants. See how many more you would approve or decline each month, and what that does to risk, before your risk owner approves the change.
Tuned on what happens next
Decisions and collection outcomes flow back into your policy, so every cutoff is checked against who paid, who paid late and who ended up in collection. From fixed cutoffs to a system that learns.
How it works
Your policy, as written
We set up your credit policy and cutoffs as they are today. Every version is stored, with who approved it.
Policy replay
Run the policy on last month's applicants and see what each rule decided, month by month.
What-if simulations
Move a cutoff or add a rule, and see the effect on approvals and risk before anything changes in production.
Collection loop
Compare approvals with new payment remarks and collection outcomes, and find the cutoffs that no longer fit.
Cost per decision
See what each decision costs in data, and run the cheapest check first, so a full credit report is used only when it's needed.
Decision API
One call returns green, yellow or red with the reasons, from the policy your risk owner approved.