One verdict, built from every signal.
Credit Risk Decision blends identity checks, fraud screening, and your underwriting policy into a single real-time verdict: approve, decline, or review, so good applicants never wait on bad ones.
Decisioning across the entire credit lifecycle.
Real-time approvals, adaptive risk policy, and a decision engine your team can run without waiting on engineering for every change.
Build policy, not tickets
A low-code, drag-and-drop builder for decision flows, so policy changes ship without an engineering sprint behind them.
- Build and publish decision flows visually, no ticket to engineering required
- Ship changes with a single click, and roll them back just as fast
- Move between test and production with simulation built in, so nothing ships untested
Every data source, one connection
Identity, fraud, and credit data sources, accessed through a single integration instead of a dozen separate vendor contracts.
- Connect identity, fraud, and credit sources through one API, not several
- Pull what a decision needs in real time, without maintaining each relationship yourself
- Mix and match sources by product, region, or risk segment
Rules today, models tomorrow
Start with rules-based policy, then layer in machine learning as your data matures, without re-platforming to do it.
- Run rules-based policy from day one, and add models when you're ready
- Test a challenger policy against production before it touches a live decision
- Monitor performance continuously, and catch drift before it hits your book
A verdict in less time than a page load.
Low-risk applicants move straight through. Anything ambiguous gets escalated with the exact evidence a reviewer needs, nothing more.
Capture
Signals arrive from the application, Statement Analysis, and Credit Intelligence.
Verify
Identity, document, and fraud checks run automatically against the signals on hand.
Score
Your policy and models weigh every signal into a single, explainable risk score.
Decide
Approve, decline, or route to review, instantly, with the reasons attached.
One verdict, fed by the rest of the platform.
Credit Risk Decision doesn't work in isolation. It's the point where the rest of Pivox converges into a single outcome.
Loan Origination
The verdict flows straight into an offer and e-signature, no manual handoff between systems.
See Loan OriginationCredit Intelligence
Bureau data, blended score, and behavioral signal feed the policy automatically, before a human ever looks.
See Credit IntelligenceBank Statement Analysis
Verified cashflow becomes a policy input in the decision, not a PDF someone has to read first.
See Bank Statement AnalysisFrequently asked questions.
How does Pivox speed up the credit decisioning process?
Real-time data pulls, a low-code policy engine, and automated scoring run together, so most applications are decisioned in under a second. Nothing sits in a queue waiting for a person unless the policy says it should.
What happens when a decision is unclear?
Applications outside your auto-approve or auto-decline thresholds route to a review queue with every signal already attached: identity, fraud, cashflow, and bureau data. A reviewer sees exactly what needs judgment, nothing more.
Can our risk team change policy without engineering?
Yes. The low-code builder lets risk and product teams publish policy changes themselves, with simulation and one-click rollback built in, so nothing goes live untested.
How does Credit Risk Decision handle fraud alongside credit risk?
Identity and fraud signals feed the same decision engine as your credit policy, so one verdict accounts for both. You're not reconciling two separate systems that don't talk to each other.