Consumer Credit

Improve profitability and the customer experience with automation and advanced analytics.

Overview

When it comes to originating consumer loans, lenders today are challenged with meeting the demands of sophisticated digital-savvy consumers while factoring in regulatory restrictions and risk. Leveraging automation and advanced analytics is an important part of bringing these pieces together—and FICO origination solutions make that happen to deliver better decisioning that improves the customer experience while driving business profit. Customers get a more streamlined and transparent origination process with loans that are fine-tuned just for them. Lenders win through lower-cost, more compliant loans and tools for strengthening customer engagement and building product usage over time.

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 includes preconfigured workflow processing steps, queues and data capture that reduce the implementation cycle time.
  • The Decision Module, leveraging FICO® Blaze Advisor® decision 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. 
  • The Data Acquisition Module provides access to external data sources such as consumer or small business credit reporting agencies and alternative data providers. It also includes credit report characteristics, which are the key components of FICO® Scores.

 

Customers

Available Products

FICO® Application Studio

Product overview

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 or on-premises solution.

FICO® Blaze Advisor® Decision Rules Management System

FICO® Origination Manager

Product overview

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 or on-premises solution.

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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."