FICO® Origination Manager

Flexible, frictionless loan origination — the right fit for today’s origination needs, and future-proofed for tomorrow.

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Overview

Build your ideal origination portfolio.

Originating a new account is a critical decision affecting 80% of measurable risk throughout the life of an account, and it sets the stage for yield potential from the customer. FICO® Origination Manager delivers the power to make more precise, value-based decisions at the origination stage, enabling you to grow more profitable portfolios while managing customer-level risk. Adapt faster and reduce costs with business-user configurable templates that shorten the learning curve, equipping you to rapidly adjust to dynamic markets and regulatory changes.

Features

With a rich feature set of advanced tools, FICO empowers business users to make faster, smarter, customer-focused decisions.

Implement new credit programs in days, not weeks

What if you could decrease time to decision and manual review by 50%? That’s the power of analytics-driven origination software. One solution supports all existing lines of business, while shortening the ramping time needed to launch new ones.

Quickly assess risk with pinpoint accuracy

Delinquencies and bad debt bring origination programs to a screeching halt. Decrease risk exposure and minimize application fraud with automated review, approval, and decline decisions—all based on tailored criteria and predetermined score cutoffs.

Deliver convenience to customers, each and every time

Our products work together to provide your customers with valuable experiences across the entire credit lifecycle. This means proactively finding the right solutions for their credit situation based on comprehensive analytics, real-time data, and automated communications.

Connected decision-making across the lending lifecycle

Automated origination models follow your policy rules to efficiently process applications and quickly make decisions. Automated customer communication leverages real-time analytics for quick selection and automated communication of optimal offers.

Unmatched analytical edge for greater precision

Access to the most comprehensive data sources in the world, including advanced analytics for lending decisions and far more accurate recommendations. Operationalized analytics means we know how to seamlessly integrate our data sources with your existing processes.

Flexibility for companies of any industry and size

Modular structure allows you to use the right mix of products for your business, including easy integration with both your existing software stack and other FICO lending modules. On-premises or cloud deployments depending on your architecture. We’ll help you choose the right option for shorter deployment times and use with multiple products, business lines, and locations.

Enabling Technologies

With 60+ years of pioneering work in predictive analytics and artificial intelligence, FICO powers our solutions with the most advanced science available.

Platform

Effortless, engaging origination that is powered by the industry-leading FICO Platform. Start simple with configurable templates for fast time-to-value, and then easily add digital sophistication.

Cloud

Provide origination that is safe, scalable, and cloud-powered to improve solution flexibility, ROI, and extensibility.

AI, Machine Learning and Advanced Analytics

Drive portfolio profitability (without adding risk) through FICO’s pioneering AI and advanced analytic offerings for onboarding and origination.

Optimization

Simulate, analyze, learn, continually improve onboarding and origination strategies. Use prescriptive analytics to optimize strategies on a customer-by-customer basis to increase profitability, balance constraints, and deepen customer relationships.

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How it Works

FICO® Origination Manager equips lenders of all sizes, in all industries, to provide a consistently fast and simple process that feels personal to them while improving profitability and managing risk. It's a powerful and highly flexible system for evaluating customer value and risk when starting a new credit relationship, helping you make faster, smarter decisions.

Driving Measurable Improvements

Our clients have improved their operational efficiency, reduced delinquencies and losses, cut costs, and maintained security and compliance.
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300
%
Increase in revenue in the last 12 months
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2
Billion loans in less than 14 months
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50
%
Increase in new account bookings
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100
%
Increase in application volume capacity
Case Study

Origination process and improve customer experience SunTrust

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Case Study

Vanquis Bank gains agility, opening new credit possibilities with FICO® Origination Manager

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Case Study

TBC Bank Streamlines Processes and Increases Profits

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Case Study

Origination Solutions Replace Unmanageable Decisioning Technology

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Case Study

Nationwide Building Society

World’s largest building society grows loan portfolio and profitability.
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Case Study

Raiffeisen Origination Solutions

Raiffeisen Bank Speeds Underwriting, Reduces Risk in Developing Markets.
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Customer Development
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Customer Development
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Customer Development
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Customer Development
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Customer Development

From the FICO Blog

Measuring and Eliminating Customer Friction

A digital transformation resolution for 2020.
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Making The Digital Leap in Banking

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Beyond Generation Z: Digital Account Opening for Everyone

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Reinventing Origination: Fixing the Decisions that Matter

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The Ballad of the Small Banker: An SBA Lenders Experience with PPP Loans

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Looking Ahead and Preparing for a Post-Coronavirus World

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A loan origination solution you’ll never outgrow

Flexible, frictionless loan origination. The right fit for today’s origination needs—and future-proofed for tomorrow. To learn more about FICO® Origination Manager, get in touch with one of our experts or request a demo.