FICO® Capstone® Decision Manager
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FICO® Capstone® Decision Manager

FICO Capstone Decision Manager is a comprehensive solution for making individualized credit application decisions at high volumes and speeds, while capturing all data, rules and actions involved in the process. Flexibly configure powerful prebuilt automation components to support any number of unique decisioning processes for different retail business lines, products, campaigns and geographic markets.
Key Benefits
  • Make better, faster, less costly originations decisions
    FICO Capstone Decision Manager can generally automate 75% of decisions accurately, balancing risk and reward according to institutional policies at up to real-time speeds. For the remaining decisions, it increases analyst productivity by providing all application data, listing all steps and rules so far applied, and pointing out the policy violations or exceptions that triggered review.
  • Increase decisioning consistency, compliance—and flexibility
    Rules-driven decisioning helps you propagate best practices across your organization and enforce compliance with institutional policies. It also lets you automate multiple process variations to meet specific decisioning needs and local regulatory requirements.
  • Evolve originations processes for business growth, market change
    Business users can modify decisioning workflows—and the rules, calculations and data sources activated at each stage—without need for IT assistance.
Feature Highlights
  • Starts you out with fully configurable automation components
    Prebuilt decision workflows, rules, calculations, queue management and workstation screens for analysts and managers come packaged with tools for modifying them or creating your own. Other built-in features include application queuing, an information server for access to multiple credit bureaus and other data and service providers, full audit tracking, and a comprehensive database.
  • Can incorporate multiple risk scores and other predictive analytics
    At each stage of a decisioning process, you can incorporate multiple inputs, including FICO® scores as well as custom application risk and fraud models.
  • Complemented by FICO strategy consulting
    Leverage our unmatched experience at designing, implementing, evaluating and improving lending originations strategies.
  • Supports champion/challenger testing for continued performance improvements
    Compare the performance of current and proposed originations strategies in controlled, low-risk in-production tests. Rapidly roll new champions out across broader applicant populations.
  • Links to FICO® Capstone® Decision Accelerator for browser-based, XML-enabled decisioning
    Optional Web Coupler lets you create and manage your decisioning rules in Capstone Decision Accelerator while still benefiting from preconfigured process automation. At any stage of the process, Capstone Decision Manager can call the Capstone Decision Accelerator as a web service, receive the decision back, and then continue on to the next stage of application processing.

Raiffeisen Bank links originations processes across CEE market

Operating one of the leading banking networks in Central and Eastern Europe, Raiffeisen Bank wanted a way to improve profitability in all markets by booking more loans while reducing operational costs and improving credit risk management. Its new originations solution, which combines FICO® Capstone® Decision Manager and FICO® Capstone® Decision Accelerator, is being rolled out to dozens of branches in Romania, Ukraine, Bulgaria and other countries. Web-based, rules-driven decision management enables the company to centrally update institutional policies, while allowing managers in different markets to add locally applicable rules. End-to-end originations processes, orchestrated by Capstone Decision Manager, call these decisioning services as needed.

"Raiffeisen Bank intends to leverage FICO's deep industry and analytic experience. The Capstone solution will allow us to cost-effectively deliver on our requirements, keep pace with our growth plans and provide a strong foundation for our future objectives."

Carl Rossey, Vice President, Raiffeisen Bank
Read the Success Story


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