In the competitive consumer lending market, aggregator platforms play a critical role in sourcing borrowers. Yet batch-based evaluation cycles delayed responses and limited approval efficiency. Outdated credit data created lost opportunities at moments of peak borrower intent. The company sought a configurable, secure decisioning platform to modernize prequalification and replace SAS-driven workflows. Decisions was selected for its flexibility, cost-effectiveness, and ability to replicate adjudication logic in real time while protecting proprietary strategies.
Challenge
Before implementing Decisions, the company struggled with:
- Batch Processing Delays: Six-week cycles left credit data outdated and borrowers disengaged.
- Operational Overhead: SAS and macro-based workflows required heavy IT support.
- Lead Quality Issues: Affiliates submitted large volumes of unqualified borrowers.
- Risk of Exposure: Sharing raw credit data or decision logic with affiliates risked strategy leakage.
- Limited Flexibility: Legacy tools could not quickly adapt to new products or campaigns.
Solution
The company deployed Decisions as a real-time adjudication engine, integrated with affiliates and credit bureaus:
- Instant Scorecard Pings: Affiliates submit credit data; Decisions applies adjudication logic instantly to return outcomes.
- Rules Engine & Truth Tables: Analysts configure eligibility logic without coding, replicating SAS-based models.
- Secure Logic Protection: Affiliates receive only decision results, safeguarding proprietary models.