Banco Santa Cruz

Banco Santa Cruz, one of the Dominican Republic's largest private banks, partnered with FICO to modernize credit decisioning across its unsecured portfolio. By deploying FICO® Platform, the bank reduced policy change cycles by 85%, from 90 days to just 2 days, projected delinquency rates across credit cards and personal loans, and achieved measurable enterprise-wide impact in just 8 months.

• 85% faster policy change cycles: Banco Santa Cruz reduced credit policy change cycles from up to 90 days to as little as two days, giving business and risk teams the agility to respond to market shifts without sacrificing governance or control. 
• Projected delinquency rates reduced across key unsecured portfolios: By embedding simulation, what-if analysis, and champion–challenger testing into the decisioning process, the bank strengthened risk outcomes across credit cards and personal loans before changes were ever deployed. 
• Measurable impact in just 8 months: From implementation to tangible business results, Banco Santa Cruz achieved an enterprise-wide decisioning transformation in under a year — accelerating time to market for new products and strategies. 
• Full regulatory transparency and governance built in: FICO® Platform gave the bank complete visibility into decision logic, data inputs, and outcomes — creating a strong, auditable foundation that regulators can clearly understand and trust. 
• A scalable decisioning foundation for sustained growth: Centralized across all unsecured products and executed in real time, the bank's new decisioning framework is built to extend across products, channels, and higher volumes without adding complexity or risk.