Decision Engine
The decision engine driving automated assessment
System functionality spans into risk strategy, risk modelling and risk policy deployment for pre-loan to post-loan stages. Its seamless integration with applications allows differentiated decisions to be taken subject to asset type and channel in addition to diversified decision paths to be taken against a single asset type. The core engine provides a full-fledged business policy design tool and supports performance simulation against models. A risk professional can easily define complicated business rules with just clicks and drag & drop, giving the ability to deploy models without the need for coding, thus achieving rapid model deployment and complete control over risk management as required by financial institutions.
Product Features
| Online Model Trainer | Single platform for modelling with 50+ pre-defined model algorithms with recommendation; manual adjustment on logistic regression |
| Model Management | Manage model lifecycle from training to testing and deployment, including status display and computation log. |
| Model Performance Monitoring | Real-time monitoring of system level model execution as well as on key business performance indicators |
| Risk Policy Configuration | Fully customisable risk policy and process configurator, supports decision tree & table, scorecard, decision flow and other methods |
| Decision Management | Manage version-controlled decision plans, including testing and multi-layered commissioning approval process, plus full decision log |
| Decision Performance Monitoring | Real-time track and report performance of each decision plan, including key risk indicators such as approval rate |
Product Advantages
- Quick and straight-forward automated model training online via interface instead of code
- Perform scheduled or real-time model deployment with automated testing and the ability to switch off or between models
- Custom monitoring parameters with the ability to manage risk and update model against performance when required
- Complete and manage all risk management configuration online with no more coding
- Pre-defined risk management templates consolidating and sharing experience for a variety range of lending business scenarios
- Perform scheduled or real-time decision plan commissioning with automated testing and the ability to switch off or between plans
- Ability to compare the difference and performance of varied versions of the same decision plan for optimisation
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