Consumer Credit

Analytics that align customer experience with business profit.

Overview

When it comes to originating consumer loans, lenders today are challenged with meeting the demands of sophisticated online consumers while factoring in regulatory restrictions and risk. Leveraging advanced analytics is an important part of bringing these pieces together--and FICO products make that happen to deliver better decisioning that keeps customer experience aligned with business profit. Customers get a more streamlined and transparent originations process with loans that are fine-tuned just for them. Lenders win through lower-cost, more compliant loans and tools for building usage.

Solution Architecture

FICO® Origination Manager

FICO Origination Manager supports connected decisions across the entire lending lifecycle for a more holistic view of the customer relationship that can then be factored into origination decisions. Origination Manager is composed of four core modules that can operate together or independently to best fit your origination needs.

  • The Application Processing Module (APM) includes preconfigured workflow processing steps, queues and data capture that reduce the implementation cycle time.
  • The Decision Module, leveraging FICO® Blaze Advisor® business rules management system, includes an intuitive user interface that enables business users to author rules and deploy business strategies quickly, without the need for IT coding.
  • The Analytic Module provides access to a FICO-hosted service that scores each applicant using the latest version of FICO® Application Risk Models and the Small Business Scoring Service. 
  • The Data Acquisition Module provides access to a FICO-hosted service that enables you to obtain consumer credit data from credit reporting agencies with pre-configured interfaces to consumer bureaus in North America.

View More on FICO® Origination Manager Decision Module

View More on FICO® Origination Manager Data Acquisition Module

Customers

Available Products

FICO® Application Studio

Product overview

Organizations seek faster ways to build and deliver applications that use Big Data analytics to drive customer engagement across all touch points, aligned with business goals and strategies. FICO® Application Studio is a powerful solution that shortens the time to develop and deliver analytically powered applications—up to 10 times faster than traditional approaches—that are secure, mobile-ready and can be deployed as a cloud-based solution or on-premises.

FICO® Blaze Advisor® Decision Rules Management System

FICO® Origination Manager

Product overview

Organizations seek faster ways to build and deliver applications that use Big Data analytics to drive customer engagement across all touch points, aligned with business goals and strategies. FICO® Application Studio is a powerful solution that shortens the time to develop and deliver analytically powered applications—up to 10 times faster than traditional approaches—that are secure, mobile-ready and can be deployed as a cloud-based solution or on-premises.

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TD Canada wins with customer-centric view.

"Working with FICO, we're building a credit infrastructure that allows us to stay competitive and grow our business."