DECISION ENGINE: IT DOES NOT RETURN A YES OR NO, IT RETURNS THE OFFER
Configure policies, models, and tiers on a credit decision engine already connected to data sources, resolving each application with amount, term, and conditions.
By incorporating Finvero's Decision Engine, credit lenders automate risk policies, reduce integration times, and optimize real-time approvals.
Business days to production
Data sources connected
From goal to policy
Default rate in approved portfolio
The Challenge
Your credit policy is a row in IT backlog.
Every change is a release
Changing a cutoff, adding a rule, or testing a model goes through dev, QA, and release windows. By the time it launches, the market moved.
- Filters and changes stuck in development
- Direct dependency on IT backlog
- Returns: Lost market opportunity due to slowness
You do not know why it was rejected
When committee asks about a case, answers live in unreadable logs. Without knowing which rule applied, you cannot defend or fix the decision.
- Opaque logs difficult to interpret
- No clear traceability for committees
- Returns: Inability to explain or adjust policy
Deciding is not offering
The engine returns approved or rejected, and someone else calculates amount, term, and rate. That manual gap causes inconsistency and delay.
- Fragmented manual calculation of conditions
- Friction between approval and offer
- Returns: Inconsistent offers and bottlenecks
How It Works
REST API · Batch file upload · Finvero origination flow. API contract lives in technical documentation, not on this page.
What Your Operation Gains
From approved to amount & term
The decision comes out with the full proposal, so the customer sees a concrete offer in the same step.
- Offer ready
Lower delinquency, same volume
In a real portfolio at the same approval rate, default dropped to less than a quarter.
- 4x less*
Policy changes on your schedule
Risk publishes a new version when approved by committee, not waiting for IT deployment windows.
- No release
One engine, many policies
Each product and brand runs its own configuration on shared infrastructure with full data isolation.
- Multi-tenant
Each band brings its action and offer
Comparison by Provider Category
| Capability | NoCode Decision Engines | Onboarding Suites | In-house Dev | Finvero |
|---|---|---|---|---|
| Configure policy without code | Yes | Yes | No | Yes |
| Data sources pre-connected | Bring your contracts | Partial | Build integrations yourself | Yes, 80+ |
| Calibrated with your portfolio | Bring yours | Provider default | Build it yourself | Yes, built with you |
| Returns full offer, not just decision | No | No | Depends on core | Yes, amount, term & conditions |
Who Uses It
Intelligent evaluation and decisioning systems for financial institutions, retail, and fintechs originating credit in Mexico and LATAM.
Consumer
Sustains high volume with automated decisions and flat cost per application.
Auto
Returns plan, down payment, and term per profile instead of a fixed table.
Payroll
Applies agreement rules automatically without separate policies.
Retail
Resolves at POS with minimal documents needed for each profile.
SME
Evaluates derived financial features when accounting files are incomplete.
Microfinance
Decides with alternative signals where traditional bureau data is sparse.
VOICES OF OPERATION
What risk, tech, and product leaders say
“I approved a cutoff change in January committee and it went live in April.”
“Every policy adjustment consumes sprints needed for product roadmap.”
“I have models that do not reach production because there is nowhere to run them.”
“My funnel drops during the evaluation step.”
Security & Compliance
Built to pass your vendor security assessment
International Certifications
ISO/IEC 27001:2013 & ISO 27701, and NOM 151 compliance.
- International Certifications
Protected Personal Data
Binding Self-Regulation Scheme before INAI and LFPDPPP.
- Protected Personal Data
Identity Validated at Source
Integration with RENAPO and official INE registry.
- Identity Validated at Source
Model Privacy
Your data doesn't train third-party models: used exclusively for your evaluation.
- Model Privacy
Auditable Decisions
Each score retains underlying variables permanently and traceably.
- Auditable Decisions
FREQUENTLY ASKED QUESTIONS
Everything you need to know about integration and the Finvero Decision Engine