Credit Management Software: Business Implementation Process

The Credit Management Platform supports all tasks involved in developing, testing, simulating and deploying credit processes into production. Business experts can easily complete each step in the process from developing the model to deploying the rules. The individual process steps are depicted below.

Model Implementation for Scoring and Rating Logic, Workflows, and User Interfaces

Using the Model Authoring Platform, business experts can graphically model scoring and rating logic, workflows and user interfaces in the form of decision trees and decision tables. The platform has no limits to the complexity of calculations, decision logic or workflow logic that it handle. Because the modeling is graphical and structured, business experts can create and maintain the logic without programming knowledge. All models are versioned in a repository, the Team Server-and model changes are thoroughly recorded.

Program Code Generation

Encapsulated and executable program code (Java) is generated from the graphical models. The code is then deployed to the Credit Manager or another application for execution.

Test and Simulation of Scoring and Rating Models

The Model Authoring Platform offers an extensive testing environment to ensure the quality of scoring and rating models. Tests can be directly executed for validation purposes. Only models that are both accurate and fully tested are deployed into production.

Changes to credit decisioning models can be simulated and subjected to stress tests before deployment. This allows the effects of model changes to be analyzed over the entire portfolio. Furthermore, risk parameters can be stressed for "what if" analysies.

Documentation Generation for Rating-, Scoring-, and Process Logic

Complete documentation is created automatically for all logic components (rating and scoring logic, process logic). The documentation encompasses the data model including all calculations and decisioning logic. The documentation can be generated at any time for auditing purposes.

Upload and Deployment

The Credit Manager seamlessly deliver thoroughly tested program code to the production environment using an integrated upload and deployment process. The extensive version management facilitates viewing the model's complete history as well as administering upload, activation and validity periods.