In lending, loan-to-value (LTV) ratios are critical for balancing customer demand with institutional risk. Traditional systems often embed these rules deep in IT-managed code, slowing down the ability to adjust based on changing market conditions. This company sought an automation platform that would empower business users to make real-time updates without introducing risk or compliance issues. Decisions provided a no-code solution that integrated directly with point-of-sale and lending workflows, ensuring fast, accurate, and controlled changes to lending calculations.
Challenge
Before Decisions, the company faced:
- Business dependency on IT for every LTV adjustment.
- Slow turnaround times, ranging from 1.5 to 3 days for rule changes.
- Operational bottlenecks due to rigid processes and uncontrollable IT variables.
- Revenue and risk impacts when market-driven adjustments could not be implemented quickly.
Solution
With Decisions, the company extended its point-of-sale integration to support a real-time lending decisioning module:
- Business-led rule management allowed LTV adjustments without IT involvement.
- APIs and endpoints enabled real-time validation of discounts, layaway terms, and collateral-based lending rules.
- Bucket pricing enhancements supported multiple price points for improved loan decisioning.
- Audit trail functionality captured every change for compliance and governance.
- Role-based dashboards provided secure access and permissions for different stakeholders.