Credit Decision Services

Designed for risk managers, Credit Decision Services is a complete solution designed to accelerate credit risk management projects.
At its core, it comprises a library of modular components designed to address all stages of the lending cycle, from affordability calculations to loan origination, responsible lending, decision monitoring, and early warning indicators – all ready to be used to accelerate credit risk project delivery and reduce time-to-value for clients.

Features

Strategy Templates

Pre-built templates which can serve as a starting point for building out credit policies, risk models, responsible lending strategies, affordability calculators, as well as early warning signals.

Credit Bureau Connectors

Plug-and-play connections to the most common credit bureaus (e.g. Experian, Equifax, Transunion) with capability to connect to any other credit bureau or alternative data source via API.

Visualisation Tools

Native dashboards and visualisation tools, accessible from a point-and-click user interface, allowing business users to monitor credit portfolios and decisions.

What-If Simulation

Simulation capabilities to allow business users to understand the impact of changes before they are made, reducing the risk of unexpected credit decisions.

Data Models

Pre-built data models for banking, telecommunications, and automotive finance use-cases, to accelerate time-to-market, but which can be tailored to suit client idiosyncracies.

Credit Studio

A single, accessible user interface for credit risk professionals, designed to build confidence and increase agility

Dashboards to monitor credit decisions at a portfolio level
Intuitive point-and-click experience to simplify changes
Simulations to check the impact of changes before going live

Architecture

Built on Pega’s low-code platform for business agility, scalability, and reliability, Credit Decision Services is easy to integrate with a client’s proprietary or 3rd party systems.

Success Stories

“DCS supported the migration of our Credit Risk Decisioning Platform from Chordiant to Pega Cloud. They worked closely with the Alfam and Pega team, taking a leading role in defining and implementing the decisioning framework as well as rolling out a successful go-live with seamless business continuity. They understand our needs and advise on the best practices. Their knowledge, expertise and flexibility continue to add value to our next phase of work.”

Head of Credit Risk | Alfam Consumer Credit

Thought Leadership

How Alternative Data is transforming Credit Risk Decisioning in Emerging Markets

13th January 2025

Summary

How Alternative Data is transforming Credit Risk Decisioning in Emerging Markets

Discover how alternative data is transforming credit risk decisioning in emerging markets by enabling more inclusive financial services. This article examines the growing demand for credit in regions like Southeast Asia, the integration of non-traditional data sources, and the opportunities and challenges lenders face in adopting these innovative approaches to expand access to credit for underserved populations.

Credit Risk Decisioning

22nd October 2024

Summary

Credit Risk Decisioning

Credit Risk Decisioning systems are crucial for evaluating the creditworthiness of borrowers. By leveraging data like credit history and repayment capacity, these systems ensure responsible lending and are integral to the credit lifecycle. DCS’s Credit Decisioning product and consulting services are focused on making the credit decision processes smoother, smarter, and more scalable. We have merged our credit and lending experience with Pega’s advanced decisioning technology. We help to modernize and streamline the way in which credit decisioning teams operate and function.