Instant credit decisioning

Loan Application Decision Automation

The ProcessMIX low-code BRMS automates credit decisioning from A to Z. Ideal for banks and alternative lenders alike, for Consumer, SME, and Corporate lending.

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ProcessMIX BRMS in Action

ProcessMIX BRMS empowers business users with automated decision-making throughout the customer lifecycle front-to-back.

The solution can operate with no human intervention and provide personalized offers based on a 360° customer view.

Maximize portfolio revenue, while providing an unparalleled customer experience.

Trusted by banks and alternative lenders

ProcessMIX BRMS covers the needs of credit application decisions for all banking products and for Consumer, SME, and Corporate clients. Banks, alternative lenders and microfinance institutions use our solution to ensure a continuous and high-quality customer experience.

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Decision Management Software for Business Users

ProcessMIX business rules management platform provides business users with visual UI for business rules and predictive models configuration, powerful calculation capabilities and advanced testing features.

Full decision strategy can be configured and published without the IT team's support. Business users can configure various elements of the credit decision model.

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Smart credit decisions personalized for every client

Hard and soft eligibility rules for products, regions, client segments, etc.

Credibility and affordability estimation for applicants and related parties

Calculation of verification and decision-making level, recommendations for underwriting, and credit committee involvement

Decision engine can be used for online and batch decisioning

Anti-fraud rules and models

Scorecards of any complexity, AI and Machine Learning models

Unlimited number of scorecards and model versions

ML model support as separate components and as Python scripts

Import of any models supported by the PMML standard

Dual-scorecard and multi-scorecard matrixes and models

Offer matrix calculation based on client’s risk level

All decision components are 100% visual (Python scripts are also available if required)

Rule configuration assumes Business and Risk team users with zero IT team involvement

Online validation of new changes

Versioning, release management capabilities

Integration with 3rd party data and service providers

Integration with credit bureaus, and tax authorities/agencies, AML/KYC data providers, and other services

Creation of a unified credit history report on the basis of reports from various bureaus and internal data repository

Risk-based pricing, LTV-based pricing

Behaviour-based and event-based pricing

Powerful validation and testing, scenario analysis

Online and batch testing of changes

Champion-challenger capabilities

Scenario analysis, what-if analysis at the portfolio level

Step-by-step debugging in visual UI

Automatic test data generation

Сredit decision making

Real case

Banking and Fintech

Cross-Sell Offer Calculation for the 12M Client Base

Development

x2.5 faster

IMPLEMENTATION TIME

x2.3 less

DEVELOPMENT COSTS REDUCE

x7 faster

CHANGES IMPLEMENTATION TIME

Business

2 day

CROSS-SELL OFFER CALCULATION

30% less

OFFER CALCULATION COST

1 Employee

MAINTAINS END-TO-END PROCESS

What our clients are saying

Loan application decision automation in a large Eastern European Bank.

Before ProcessMIX, we changed our credit policy once per year. We suffered a lot from this during the Covid-19 pandemic.

Now we tweak our credit rules once per week and our Time-to-Market is 12 hours, including regress-testing and the approval process! We can now benefit from instant credit decision products and chat-bot lead generation.

Head of Risk Technology Department

Hosting behavioral scorecards in ProcessMIX. Zero IT department contribution required.

Publishing 10+ behavior scorecards in ProcessMIX to cover all consumer products, together with derived variables calculations and data quality control.

The Risk Team can now adjust models, calculations and missing values processing logic with low-code UI with their own hands. The IT department is responsible only for server administration and ETL.