World’s leading
Credit Decision Engine and BRE
Our credit decisioning platform provides NBFCs, MFIs, Fintechs and Banks with
The agility needed to dynamically react to market changes.
Rapidly test & deploy new lending strategies, update scorecards.
Originate new loans, including new-to-credit (NTC) loans with confidence.
A game-changing
decisioning platform
Customizable rule sets
The BRE has ability to customize the rule sets based on your specific business needs and requirements in real-time without system downtime. These risk policies and thresholds will be in line with Customer’s risk appetite and regulatory requirements.
Auditing and tracking
User can perform spot audits on single or multiple records by uploading records in JSON/ XML/ CSV format and checking the system output vs the desired outcome. All historical strategies are saved with version control for audits and tracking.
Individual and portfolio credit risk assessment
Our Credit BRE includes a customizable dashboard suite that provides real-time insights into strategy and segment performance, along with instant management reporting.
In-built testing and simulation tools
With integrated champion-challenger and simulation functionalities, users can test strategies without IT involvement, ensuring accuracy before going live.
Flexible & user-friendly interface
The credit decision engine will have a user-friendly interface that allows easy defining, managing, and executing business rules.
Increase lending efficiency
The business rule engine will automate the credit policy rules configuration process, saving time and increasing efficiency.
Risk based pricing
Risk based pricing can be implemented to process new finance applications i.e. create an internal credit score and accordingly pricing is linked.
Faster decision making
Our underwriting platform will make credit decisions quickly and efficiently, allowing institution to respond to customer needs in a timely manner.
Proven impact
Adopting flexible, analytics-driven credit decisioning engines is perhaps the most important lever for transforming underwriting. Traditional underwriting often relies on static lending strategies that struggle to adapt to changing market conditions, creating bottlenecks in decision-making. New-age decisioning engines allow risk teams to quickly identify fluctuations in customer behaviour and their impact on portfolio quality, enabling data-driven decisions. AI decisioning engines recommend adjustments to strategies, responding proactively to shifts in consumer behaviour or broader economic trends.
45%
higher
approval rates
25%
reduction in default rates
65%
increase in STP rates
Seamless Multi-Bureau
Integration
Our platform includes an in-built multi-bureau connector, ensuring uninterrupted credit decisions. If the primary bureau is down, the system auto-routes to a secondary bureau. Data from multiple bureaus is mapped to a normalized database, with access to over 1,000 prebuilt account-level attributes.
API-Ready for Third-Party Integrations
Scienaptic BRE features built-in API connectors that enable seamless integration with third-party services like Account Aggregators, GST, and OCR parsers, driving more informed decisions.
No-Code, Interactive
Interface
With a zero-code, Excel-like interface, credit teams can create, modify, and deploy policies or perform complex computations without involving IT or vendors, simplifying decision-making processes.
Model-Friendly
Environment
Integrate and deploy any model—whether Excel, Python, or machine learning—at the click of a button, eliminating IT dependencies and streamlining workflows.
Automated Lifecycle
Decisions
Our platform offers automated solutions for upsell/cross-sell opportunities, credit line adjustments, and pre-approval processes, all handled within the BRE.
Advanced Risk Monitoring
and Insights
Get early-warning signals for collections, alongside real-time application routing to the correct lending partner, optimizing risk management.
Powerful Testing and
Simulation Tools
Easily back-test strategies, run what-if simulations, and conduct live A/B testing—all from a lightweight, scalable architecture, ensuring efficient and accurate decisioning.
Flexible Deployment
Options
Whether you need SaaS, cloud, or on-premises deployment, Scienaptic’s auto-scalable architecture, powered by Kubernetes, supports high availability and seamless scaling.
Why
Scienaptic credit BRE
stands out!
Superior customer experience through streamlined process
Our platform reduces friction in your current decisioning processes and manages expectations of Small Business and Regulators alike. It does so by providing one unified flow for strategies, models and actual production runtime environment, empowering risk managers to focus on testing and implementing strategies.
Data
Integration
Feature
Creation
Rule/strategy management
Monitoring
Decisioning
Integration
What is a Business Rules Engine for Credit Decisions?
All You Need to Know
In India’s competitive lending landscape, credit and risk decisioning teams face the challenge of processing thousands of loan applications daily. Decisions like Should this application be approved? What interest rate is appropriate? Should manual review be triggered? require a balance of speed, accuracy, and compliance. These decisions are governed by lending policies, which rely on business rules.
To streamline decision-making and improve efficiency, lenders are turning to Business Rules Engines (BREs). These automated systems are transforming the credit decisioning process, enabling lenders to process applications faster and more accurately than ever before.
What Is a Business Rules Engine (BRE)?
A business rules engine (BRE) is a software solution designed to automate decision-making processes by applying predefined rules. In the context of lending, a credit BRE evaluates vast amounts of data—ranging from credit bureau reports to alternative data sources like Unified Lending Interface (ULI) and Account Aggregator (AA) frameworks—and applies logical conditions to make real-time decisions.
For example, a credit BRE might execute rules such as:
-
If credit score > 750 and monthly income > ₹50,000, approve loan up to ₹10,00,000.
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If applicant is medium-risk, set interest rate ≤ 18%.
This automation reduces dependency on manual workflows, accelerates decision-making, and ensures compliance with lending policies.
How Does a Business Rules Engine for Credit Work?
The credit decisioning process involves key decision points such as:
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Is the applicant eligible for a loan?
-
What loan amount, interest rate, and tenure should be offered?
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Should the application undergo manual review?
A credit rule engine evaluates these decision points by processing data from multiple sources. For instance, through the Unified Lending Interface (ULI), the BRE integrates seamlessly with data providers, enabling a comprehensive evaluation of an applicant's financial profile.
Here’s how this systematic approach ensures consistent, accurate, and scalable credit decisioning:
Input Data
The BRE collects data from credit bureaus, AA frameworks, ULI, alternative data and other sources.
Rule Evaluation
It evaluates this data against predefined rules and lending strategies.
Action Trigger
Based on the evaluation, the BRE triggers actions such as approval, rejection, or manual review.
Why Lenders Need a Modern Credit BRE
India’s lending ecosystem demands agility and adaptability. Traditional business rule engines often embed rules in code, making updates cumbersome and time-consuming. This lack of flexibility becomes a bottleneck for lenders, especially when responding to:
-
Regulatory Updates: RBI’s policy changes, such as interest rate hikes or FLDG guidelines, require quick adjustments.
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Financial Inclusion Goals: Lending to underserved segments using alternative data demands dynamic rule updates.
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Risk-Based Pricing Strategies: Adjusting pricing for high-risk borrowers requires frequent recalibrations.
A modern credit decision engine overcomes these challenges by offering no-code capabilities, enabling business teams to define, modify, and deploy rules without IT intervention. This agility allows lenders to stay ahead of market dynamics.
Key Benefits
of a Business Rules Engine for Credit Decisions
Seamless Integration
With frameworks like Account Aggregator (AA) and ULI, a BRE consolidates data from multiple sources for comprehensive decision-making.
Flexibility and Scalability
A no-code credit decisioning platform allows instant rule updates, empowering lenders to scale efficiently.
Data-Driven Insights
By leveraging alternative data, BREs enable better credit risk assessment for thin-file borrowers.
Enhanced Compliance
A BRE ensures adherence to regulatory requirements, minimizing compliance risks.
Speed and Accuracy
Automated workflows powered by a BRE reduce loan processing times from days to seconds.
The Role of Unified Lending Interface (ULI) and Account Aggregator (AA)
India’s fintech ecosystem is revolutionizing credit decisioning with tools like ULI and AA.
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Unified Lending Interface (ULI): Simplifies integration between lenders, fintechs, and data providers, enabling seamless data flow for faster decisions.
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Account Aggregator (AA): Facilitates consent-based access to financial data, such as bank statements and repayment histories, enhancing credit risk assessments.
A modern credit decision platform integrated with these frameworks ensures lenders can make faster, more informed decisions while expanding financial inclusion.
Why Every Lender Needs a Smart Credit Decision Engine
A business rules engine for credit decisions is no longer a luxury—it’s a necessity. With its ability to integrate alternative data sources, adapt to regulatory changes, and automate decision-making, a BRE helps lenders streamline operations, reduce costs, and improve the borrower experience.
By leveraging the latest technologies like ULI and Account Aggregator, and adopting a no-code approach to rule management, lenders can remain agile in an increasingly competitive market. Whether it’s onboarding, underwriting, or loan management, a robust credit decision engine is the foundation of smarter, more inclusive lending.
Real-World Applications
of a Credit BRE
1.
Regulatory Adaptability
When RBI revises interest rates or introduces new guidelines, lenders can quickly adjust policies using a credit BRE.
2.
Financial Inclusion
By integrating with ULI and AA, lenders can assess alternative data to extend credit to underserved segments.
3.
Risk Mitigation
A credit BRE helps lenders simulate and optimize policies to minimize defaults while maximizing approvals.
4.
Testing Growth Strategies
Lenders can test and implement new lending policies for emerging borrower cohorts using simulation capabilities.
Conclusion
A business rule engine tailored for credit decisioning empowers lenders to make faster, more accurate, and compliant decisions. It integrates seamlessly with India’s unique frameworks like ULI and AA, enabling lenders to tap into new borrower segments while maintaining operational efficiency.
As the lending industry evolves, adopting a modern credit BRE isn’t just about keeping pace—it’s about staying ahead. With its ability to adapt, scale, and optimize, a smart credit decision platform is the key to unlocking new opportunities in the ever-changing financial landscape.