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.
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


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Development
x2.5 faster
IMPLEMENTATION TIME
x2.3 less
DEVELOPMENT COSTS REDUCE
x7 faster
CHANGES IMPLEMENTATION TIME
Business
212 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.