The Decisioning Engine is where your lending policy lives: built once, plain-English editable, auditable end-to-end. Policy checks, fraud flags, scoring (yours and the bureau’s), risk indicators, approval thresholds, and routing. Configure them once, automate underwriting on every loan, edit live as your risk appetite evolves.
You don’t have to build a policy from scratch on day one. Begin on a preset workflow for your lending product and go live in days. Then open the engine and make the policy your own, on your timeline.
Your credit policy isn’t a black box, and it isn’t a model you rent. It’s seven layers you build and own. Credit and risk teams author them in plain English. We run them on every application. Your policy is the asset.
Real screens from the engine. A scorecard with a base score and weighted buckets, every band and point value set by your credit team. A policy combining hard gates with that scorecard into one executable contract, versioned and editable as your risk appetite evolves. No code in sight.
So before a new policy goes live, replay it on the applications you’ve already decided. See exactly what would change, then ship.
Add the three up by hand and you get 654. The real combined impact is 374: the same 280 applications trip more than one new rule. The engine resolves the overlap. A spreadsheet double-counts it.
Three percent fewer approvals, bad-rate down nearly a quarter. Now it’s a decision you make with the numbers, not a hunch.
A worked example with illustrative figures. In the engine, approve and decline shifts replay from your application history; default and bad-rate analysis draws on the loan-performance outcomes you load into Floowed.
Every decision is explainable, every change is controlled. The things your risk and compliance teams ask for before a policy ships.
Every decision traces back to the exact rules, scores, and source documents behind it. Open any application and see why.
Every decline carries the specific reasons that fired, ready for adverse-action notices.
Every change is versioned with who, what, and when. Roll back to any prior policy.
Policy changes go through review and sign-off before they go live. Authors and approvers stay separate.
Manual overrides are logged with who, why, and when, so exceptions stay visible and reviewable, never silent.
Who can author, approve, and override is set by role, so the right people hold the policy.
The engine orchestrates, it doesn’t compete. Feed it the scores and data you already trust, and connect the systems your loan already flows through.
Watch Floowed read the documents, run the policy, and show the rules behind every call. No procurement, no IT project.