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Lend more with less risk

Make smarter and accurate credit decisions with the Oscilar platform.

Request a demo

Built by the team behind risk platforms at Apple, Uber, LinkedIn, and more.

Make smarter lending decisions without the pain

Make smarter lending decisions without the pain

Oscilar allows you to express your credit policies in flexible and easy-to-use workflows that can be configured without writing any code through a consumer-grade user interface. Reduce business risk by getting a transparent view of your credit decisioning processes to create the right credit offering.

Oscilar allows you to express your credit policies in flexible and easy-to-use workflows that can be configured without writing any code through a consumer-grade user interface. Reduce business risk by getting a transparent view of your credit decisioning processes to create the right credit offering.

Oscilar allows you to express your credit policies in flexible and easy-to-use workflows that can be configured without writing any code through a consumer-grade user interface. Reduce business risk by getting a transparent view of your credit decisioning processes to create the right credit offering.

Request a demo

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.

Safely address the underserved market

Express your most complex credit 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.
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 decisions start 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.

"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"

"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"

"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

Manage impactful decisions with Oscilar

Request a demo

SMB Lending
Leverage open banking data and your transaction signals to improve your decision making and boost automation levels in SMB lending.
Consumer lending
Dive deeper than credit scores and start testing your credit policies fast. 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.
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