UnionBank Onboarded 50K Customers Monthly with FICO Platform

UnionBank, one of the Philippines’ most innovative financial institutions, has transformed its customer onboarding and credit decisioning process using FICO® Platform. Following its US$700 million acquisition of Citibank’s consumer banking business in the Philippines, UnionBank deployed FICO Platform to seamlessly integrate Citibank’s IT systems and launch its Credit Decision Engine. This transformation has enabled the bank to process more than 80% of applications straight-through, reducing onboarding times to just 5–15 minutes and expanding credit access to underserved populations. At its peak, UnionBank onboarded 50,000 new credit card and personal loan customers per month. 

In this video, hear directly from UnionBank’s leadership about how advanced analytics, alternative data, and automation at scale are driving inclusion, improving customer experience, and delivering strong growth. 

Featured Speakers: 

• Manoj Varma – Consumer Banking Head, UnionBank
• Erwin Wiriadi – Chief Risk Officer, UnionBank
• Mukul Sukhani – Cards and Consumer Loans Head, UnionBank
• Shey Guanlao – Risk Infrastructure Manager, UnionBank
• Simran Khanna – Consumer and SME Risk Head, UnionBank 

UnionBank UnionBank is a 2025 FICO® Decision Award winner for Customer Onboarding and Management.