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AI-Powered Credit Underwriting

Increase approval rates without increasing risk

Empower your risk and credit teams to operate autonomously and increase approval rates. Leverage one-click integrations, an intuitive no-code interface, and Oscilar AI.

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ALLOW

INCREASE LIMIT

LOCK ACCOUNT

DENY

INVESTIGATE

LOW RISK SCORE

CREDIT REQUEST

INCREASE LIMIT

PASSWORD CHANGE

SUSPICIOUS REQUEST

IDENTITY CHECK

INTERNAL REQUEST

Checking historic data

Enforcing your custom rules

Monitoring

Analyzing

ALLOW

INCREASE LIMIT

LOCK ACCOUNT

DENY

INVESTIGATE

LOW RISK SCORE

CREDIT REQUEST

INCREASE LIMIT

PASSWORD CHANGE

SUSPICIOUS REQUEST

IDENTITY CHECK

INTERNAL REQUEST

Checking historic data

Enforcing your custom rules

Monitoring

Analyzing

Trusted by fintechs and banks around the world

Make your credit risk operations 10x more efficient

Express your credit policies in flexible and easy-to-use workflows from a user-friendly interface and without writing any code. Reduce business risk by getting a transparent view of your credit decisioning processes to create the right credit offering.

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Get a 360 degree view of your customer with credit application information and KYC in one platform.

Approve more applicants by streamlining credit decisioning workflows using comprehensive data.

Get started with pre-built credit bureau data integrations and 100+ alternative data sources for KYC and fraud.

Quickly iterate and test different models easily with version control and live A/B testing.

Increase approval rates with Oscilar's risk decisioning platform

Express your most complex credit decisioning policies by combining Machine Learning with rules

With Oscilar, you can easily create streamlined workflows based on your credit policies. Import your custom models or build everything from basic workflows to complex scorecard, matrix and decision tree models right within Oscilar.

Power smart credit decisions with the right data at your fingertips

Integrations with the credit bureaus come out-of-the-box and are ready-to-use. Approve more customers by supplementing credit bureau data with alternative underwriting data like employment verification, income verification, and cash flow attributes.

Test and experiment for optimal decisioning performance

Strike the right balance by reducing risk without eliminating valuable customers. Use our simulation feature to backtest and see the impact of workflow changes before you roll them out.

"Oscilar got us faster time to market and a much more efficient analyst team. Our analysts now save a ton of manual effort due to their no-code automation and no longer depend on engineers to change risk policies. The best part — we went live in less than a quarter".

Henry Shi

Co-founder

Super.com (Credit, Savings, Cashback)

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Easy application review lets you approve customers quickly

Visualize and review an entire credit application for each customer along with the ability to pull in data from internal customer databases. Easily see the customer data, approval status and context around decisions.

The best credit decisioning starts at onboarding

Leverage Oscilar’s integrated fraud detection and credit decisioning capability with 100+ data sources to verify your customer’s identity and prevent fraud. Create powerful credit decisioning workflows using the right data at the right time to increase the accuracy of credit decisions, increase the efficiency of risk operations, and elevate customer experience.

Connect your KYC and credit decisioning workflows

Use KYC data from onboarding a client while making a credit decision. Link multiple workflows based on their outcomes.

Connect your KYC and credit decisioning workflows

Use KYC data from onboarding a client while making a credit decision. Link multiple workflows based on their outcomes.

Connect your KYC and credit decisioning workflows

Use KYC data from onboarding a client while making a credit decision. Link multiple workflows based on their outcomes.

"The complete 360° view of the businesses we’re underwriting"

"Oscilar's no-code UI is slicker and more intuitive than other platforms. It allows anyone in the risk team to create decisioning flows without requiring any help from an engineer. This we see as the long-term value of Oscilar"

Ashish Jain

Chief Financial Officer

Slope.so – Buy now, pay later for B2B

"The complete 360° view of the businesses we’re underwriting"

Ashish Jain

Chief Financial Officer

Slope.so – Buy now, pay later for B2B

Manage impactful decisions with Oscilar

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SMB Lending

Leverage open banking data and your transaction signals to improve your decisioning quality and boost automation levels in SMB lending.

Consumer lending

Dive deeper than credit scores and start testing your credit policies faster. Increase loan originations across the board with no added risk.

Credit and debit cards

Automate credit and fraud risk decisions like wire transfer and credit limits with decision flows and transaction monitoring.

Embedded finance

Go after new business opportunities and grow customer lifetime value by rolling out new lending products in no time.

Buy now pay later

Estimate your customers’ creditworthiness in a snap and make better decisions in real time based on transaction data.

InsureTech

Improve your digital underwriting decisions by effectively managing risks and adapting to the ever-changing market dynamics.

"You should get a demo, amazing workflow management tool to tweak risk decisioning on the fly is best I ever see in in this space".

Chuck Davies · CRS Group · San Francisco, CA