DECISION AUTOMATION & CREDIT INTELLIGENCE

Enterprise Business Rules Engine (BRE) with Sub-250ms Execution

Empower credit risk and underwriting teams to deploy, simulate, and refine complex credit policies, pricing tiers, and fraud heuristics in real-time—without waiting for IT engineering sprints.

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< 250ms End-to-End Decision Latency

100% Zero-Code Rule Deployment

500+ Variables & Feature Engineering

ISO/IEC Audited Decision Trail Logging

POLICY ENGINE DEEP DIVE

Decouple Credit Logic from Core Banking Code

Hardcoded business logic causes underwriting bottlenecks and slow response times to market shifts. TechMave BRE separates credit risk rules from IT infrastructure, putting policy agility in the hands of risk officers.

Zero-Code Visual Builder

Build decision trees, scorecard matrices, lookup tables, and nested Boolean logic using an intuitive visual flowchart interface with drag-and-drop rule nodes.

DMN (Decision Model and Notation) compliant
Real-time syntax & logic conflict validation
Modular re-usable rule sub-routines

Dynamic FOIR & Loan Sizing

Automatically compute Fixed Obligation to Income Ratio (FOIR), Debt Service Coverage (DSCR), LTV brackets, and risk-adjusted pricing algorithms across varied applicant profiles.

Dynamic income normalization (Salaried / SEP / SENP)
Multi-bank statement obligation detection
Automated tiered ROI and tenure suggestions

Live Shadow & Champion-Challenger

Test new credit risk models and tighter bureau filters against historical data or live traffic in silent shadow mode before promoting them to production.

A/B split testing of underwriting thresholds
Cohort backtesting against 5+ years historical data
Instant rollback to previous rule version in 1 click

SYSTEM ARCHITECTURE

Automated Multi-Stage Decision Pipeline

How TechMave BRE ingests applicant variables, orchestrates third-party bureau inputs, and produces an instant credit sanction verdict.

Variable Ingestion

Normalized ingestion of 300+ applicant attributes: demographic, GST filings, banking telemetry, and declared obligations.

Hard Knockout Filters

Instant elimination on critical red flags: negative area pin codes, willful defaulter lists, AML/PEP sanctions, and minimum age.

Bureau Synthesis

CIBIL, Experian, Equifax, or CRIF report parsing: historical DPD analysis, write-offs, recent inquiries, and utilization caps.

Scorecard & FOIR

Statistical regression models evaluate creditworthiness, compute net disposable income, and assign internal risk grades (A1 to D4).

Pricing & Limit Matrix

Algorithmic sanction generation: maximum approved principal, interest spread, processing fee waiver rules, and risk-adjusted pricing.

Verdict & Audit Hash

Instant response with full explainability payload, rule hit log, condition breakdown, and immutable cryptographic audit receipt.

GOVERNANCE & AUDIT TRAILS

Complete Model Explainability & Compliance

Ensure 100% compliance with central bank lending directives and eliminate algorithmic bias with granular rule tracing.

Immutable Execution Logs

Every single evaluation stores the exact snapshot of rules active at that millisecond, input variable values, intermediate scores, and final decisions. Meet internal audit and central bank inspections with comprehensive historical replays.

RBI Fair Practices Code Explainable AI (XAI) SOC 2 Type II GDPR & DPDP 2023

Role-Based Policy Governance

Enterprise maker-checker controls for rule publishing. Credit analysts draft rule changes in sandbox environments, which require dual approval from Chief Risk Officers (CRO) before live production deployment.

Maker-Checker Workflows Environment Segregation Branching & Merging Zero Downtime Deploys

Connected Ecosystem

Explore the Complete LendingOS Platform

Each product functions seamlessly as a standalone microservice or deeply integrates across your end-to-end credit lifecycle.

Origination

Loan Origination Loan Origination System

Instant credit underwriting & paperless onboarding

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Servicing

Loan Management Loan Management System

Multi-rail accounting, repayments & collections

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Decisioning Current Solution

Business Rules Engine Business Rules Engine

Zero-code policy automation & real-time credit scoring

Active Page

Intelligence

Credit Risk Credit Risk & Intelligence

Multi-bureau fraud signals & portfolio surveillance

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Distribution

DSA Management DSA & Partner Distribution

Channel management, lead tracking & automated payouts

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Gateway

API Hub Financial API Infrastructure

100+ plug-and-play banking, bureau & payment APIs

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