DECISION FLOW
From Input Data to Explainable Outcome
CDE evaluates connected application and financial intelligence against institution-defined credit policies, returning consistent decision outcomes with reason codes, supporting factors and a traceable evaluation history.
Sources
Decision Engine
Explainable Result
CAPABILITIES
A Complete Decisioning Toolkit
A comprehensive decisioning toolkit for configuring credit policies, evaluating risk, testing decision strategies and governing changes throughout the policy lifecycle.
Policy Rules
Express credit policy as structured, readable and testable rules.
Criteria Engine
Eligibility and knock-out criteria evaluated consistently on every application.
Policy Decision Trees
Branching decision logic by product, segment, channel or risk profile.
Decision Matrix
Combine dimensions such as risk grade and affordability into outcomes.
Business Strategies
Apply pricing, limit and treatment strategies by segment.
Reference / Lookup Data
Maintain sector lists, limits and parameters outside the rules themselves.
Scorecards
Configure weighted scorecards using internal, bureau and financial intelligence.
Classing
Band continuous values into meaningful classes for scoring and policy.
Risk Grades
Map scores to institution-defined risk grades and appetite.
Reason Codes
Every outcome carries the reasons behind it, for analysts and customers.
Simulation
Run proposed policy changes against historical or sample data before activation.
Champion / Challenger
Compare an alternative strategy against the current one on a controlled share of volume.
Shadow Decisioning
Run new logic silently alongside live decisions to observe impact safely.
Version Comparison
See exactly what changed between policy versions, side by side.
Effective Dating
Schedule when policy versions take effect and expire.
Maker-Checker Governance
Changes are authored and approved by different authorised users.
Audit Trail
A complete history of who changed what, when and why.
Decision Trace
Step-by-step record of how each decision was reached.
API Decisioning
Call CDE in real time from LOS, digital channels or any other system.
POLICY AS LOGIC
From Policy Document to Executable Decision
Translate institution-approved credit policies into structured criteria, rules, scorecards and decision strategies. AI-assisted configuration can help policy authors interpret and structure requirements, while governed workflows ensure that every change is reviewed, approved and traceable.
- Consistent policy execution across products and channels
- Explainable outcomes supported by rules and reason codes
- AI-assisted configuration with human review and approval
- Integration-ready decision execution through APIs
Beyond the Decision.Understand the Reason.
See how CDE evaluates each policy condition, which rules were triggered, how the risk grade and decision outcome were derived, and the evidence behind every key finding — all in one explainable view.
Consolidate application, financial, bureau and external data for evaluation.
Run institution-defined rules, scorecards and decision strategies against configured criteria.
Calculate scores, assign risk grades and determine outcomes with reason codes.
Review evaluated rules, supporting evidence, reason codes and the decision trace.
Application, BSA, FSA, Bureau
Policies, scorecards and strategy
Scores, grades and reason codes
Refer for manual review
Outcome Explanation
This illustrative application requires manual review due to cash-flow volatility and recurring obligations that meet the configured referral conditions.
| # | Rule / Policy Condition | Result | Impact | Reason Code |
|---|---|---|---|---|
| 01 | Average monthly balance below thresholdBSA · Cash-flow analysis | Flag | High | RC_CF001 |
| 02 | Recurring obligations exceed configured limitBSA · Affordability assessment | Flag | High | RC_RF010 |
| 03 | Debt service coverage below thresholdFSA · Financial ratio | Flag | Medium | RC_DS003 |
| 04 | Operating history meets minimum requirementApplication · Business profile | Pass | — | — |
GOVERNED CHANGE MANAGEMENT
Every Policy Change, Controlled
Manage the complete policy lifecycle through controlled drafting, independent review, approval, activation and monitoring — with version history, effective dating and traceability at every stage.
AI-ASSISTED POLICY INTELLIGENCE
AI-Assisted Intelligence. Institution-Controlled Decisions.
Help credit policy teams translate requirements into structured decision logic, understand complex configurations and reduce manual policy setup effort — while keeping validation, approvals and production activation under institutional control.
AI-Assisted Rule Authoring
Suggest structured rule configurations from institution-provided policy requirements, subject to validation and approval.
Policy-to-Rule Assistance
Help translate credit policy wording into configurable criteria, conditions and decision logic.
Rule Explanation
Explain configured rules and evaluation conditions in clear language to support understanding and review.
Configuration Assistance
Guide authorised users through scorecard, criteria and strategy configuration while preserving institutional governance.
AI assists policy configuration — it does not independently approve, activate or override credit policies. All changes remain subject to institutional review, authorisation and governance.
PART OF THE BANK-I PLATFORM
CDE Works Alone. It Works Better Connected.
Deploy CDE as a standalone decision engine or connect it with Bank-I origination and financial intelligence products to support more comprehensive, data-informed credit assessment.
CDE + LOS
Receive application data directly from LOS, evaluate configured credit policies and return decisions, risk grades and reason codes to the origination workflow.
CDE + BSA
Use cash-flow intelligence, income stability, recurring obligations and transaction risk indicators from BSA as configurable inputs to credit decisioning.
CDE + FSA
Incorporate financial ratios, liquidity, leverage, profitability and financial trends from FSA into institution-defined decision policies.
BANK-I
Turn Credit Policies Into Explainable, Governed Decisions.
See how Bank-I CDE combines configurable credit policies, AI-assisted policy intelligence and controlled decision execution to support your institution’s credit operations.