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Credit Scoring and Decisioning System

Take data-driven decisions to minimize the default risk with our credit risk decisioning software.

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Make smart credit decisions with powerful decision management software

Our low-code credit decision engine software allows banks and finance organizations leverage the advanced technologies to improve and automate their decisioning process. It allows assess credit risk accurately, make informed lending decisions, and offer loans with more competitive terms.

Visual UI

Add and activate new data sources with several clicks. By simply drag and drop avoid IT department involvement.


Automate the credit decision-making process and integrate it with your professional credit risk decision software. Process credit applications automatically, retrieve credit reports, and make credit decisions based on your established credit risk policy.

Take 4 steps to automate your credit decision flow

Supercharge your decision flow with 4 steps

  • Shape your credit risk policy

    Prepare a clear credit risk policy that defines your organization’s risk appetite, credit criteria, and decision-making process.

  • Develop a credit scoring model

    Use historical data to identify the factors that are most accurate to predict the credit risk. Develop a scoring model based on those factors.

  • Implement approval workflows

    Use our low-code rule builder to create workflows that will automatically route credit applications.

  • Monitor and update the process

    Continuously test the credit decision process and adjust it with several clicks.

Create, deploy and update your credit decision models without code

Easy configuration of decision models and strategies

  • Design, implement and test decision models and strategies using a fully graphical drag-and-drop editor
  • Version management in a centralized GIT-based model repository
  • Visual UI allows to create and adjust full decision strategy by the business and risk management teams.
  • Seamlessly manage and integrate existing models implemented in Python, Java, R, SAS (PMML format)
Strategy low code builder
360°Customer View

Rapid deployment and execution of decision models

  • Deploy and operationalize decision strategies and machine learning models in real-time automatic credit decision software
  • Seamlessly integrate decision models into existing workflows and systems using powerful standard APIs
  • Automate credit application and decision workflows
  • Achieve regulatory compliance by making fully documented and traceable decisions

Integrate internal and external data sources

  • Make smarter decisions by being fully agnostic to external data providers
  • Easily integrate external data sources such as credit bureaus and fraud identification services
  • Monitor performance and uptime of external data services
  • Cache data for improved performance and cost efficiency
Personal offer calculation
validation and testing

Simulate and improve risk models and decision strategies

  • Simulate and evaluate different decision scenarios against historical credit application data data in our credit decision system
  • Analyze the impact of model changes on a portfolio level
  • Run models in parallel (champion-challenger execution)
  • Automated testing of models for rapid deployment

Book your Demo today!

Check out our calendar to find the most convenient time for you!

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Key Goals of Risk Management and How We Address Them

Ability to change the decision logic by non-technical users

Full decision strategy can be configured and published without the IT team’s support

Fast time-to-market

Create, update and launch business rules and predictive models with visual UI without code.

Comprehensive client assessment

Scorecards of any complexity, ML, segmented ensembles. Risk-based pricing / limits. Decision modelling and optimisation.

Optimal strategy parameters calculation for new and existing products

Scenario analysis, batch testing of new strategies. Champion/challenger mechanism. Analytical reporting.

Use Cases

Learn how various financial organization streamline processes, improve decision-making accuracy, and minimize the default risk help of our credit decisioning software.

Request a Demo
Retail Banking

Take lending underwriting and scoring to a new level


Takes fraud prevention to a new level


Take insurance risk prevention to a new level

Private Lenders

Take your lending business to a new level

Proven by leaders


We are proud of our products and we want you to know, what our customers feel about that.

Thanks to ABLE we were able to attract more customers and increase our lending portfolio. 

Paul Maleski
PO @ Get Fast Credit

Before implementing scoring our customers often had to wait weeks for a decision on their loan application, leading to frustration and lost business.

Dmitry Ovsiannikov
Head of Debt Collection @ Renaissance Credit

Our customers were delighted with the faster loan processing times, and the bank saw an increase in customer satisfaction and loyalty.

Vadim Klimenko
Chair of the Board @ VTB Bank

Book your Demo today!

Check out our calendar to find the most convenient time for you!

Book a Demo


Why choose ABLE Platform as a credit decisioning software?

ABLE Platform presents a compelling option for credit decisioning software. With our software, financial institutions can improve efficiency, streamline their credit decisioning process, and make data-driven decisions. 

By using the ABLE Platform’s low-code visual user interface, business users are able to integrate data sources and automate credit decision rules without the involvement of software developers.

Can your credit decisioning software help expand a customer base?

Yes, ABLE Platform’s credit decisioning software helps expand a customer base. 

By leveraging ABLE Platform’s client assessment capabilities, including scorecards of any complexity, machine learning, risk-based pricing, and decision modeling, organizations can make accurate and informed lending decisions. 

All this enables them to offer loans to a wider range of customers, attract new clients, and expand their lending portfolio.

Can your risk decisioning software adapt to changing business needs?

Yes, ABLE Platform’s risk decisioning software is designed to adapt to changing business needs. The platform allows non-technical users to change the decision logic, configure and publish the full decision strategy without requiring support from the IT team. 

This flexibility empowers organizations to respond quickly to changing market conditions, regulatory requirements, or internal business policies. 

ABLE Platform’s visual UI and low-code approach enable business and risk management teams to create, update, and launch business rules and predictive models without writing code. 

By providing the ability to adapt decision strategies efficiently, ABLE Platform ensures that organizations can stay agile and meet evolving business needs.

Can your credit decision engine reduce manual errors in credit decisions?

Yes, ABLE Platform’s credit decision engine can reduce manual errors. By automating the credit decision-making process, our software minimizes the reliance on manual data entry and subjective decision-making. 

ABLE Platform reduces the potential for human errors, improves accuracy, and ensures consistent decision-making based on predefined rules. 

The full lending process automation increases the overall quality of credit decisions made using the platform.

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