Encode your credit policy as decision flows
Sphera Decision Engine gives lenders deterministic decision flows their credit team can change, test and prove out, with no engineering queue.
One engine for writing, testing and versioning your credit policy
A visual rules builder your credit team runs itself
Deterministic decisions your team can trace
Files inside your credit box get the same decision every time, from rules your team wrote. Files that fall outside it are routed to your underwriters or your AI agents for review.
Policy changes without an engineering queue
Your team edits flows in a low-code builder, so a change to your credit policy goes live when the team decides, with no ticket waiting on developers.
Test a policy change before it decides a live file
Backtest against your own book
Replay a proposed flow over your historical applications and see how approval rates, decline reasons and routing volumes would have moved before anything ships.
Catch policy regressions early
Compare the new flow's decisions with the current one, file by file, so a change that would have flipped good approvals into declines never reaches production.
Run versions side by side and promote the best one
Every flow is versioned
Each change creates a new version with its author and its differences, so you always know which policy decided a given file and can roll back in one step.
Promote the variant that performs
Run several versions of a flow in parallel, compare approval rates and risk side by side on live volume, and promote the winner when the numbers support it.
Put your credit policy in your team's hands
We start a pilot with one decision flow from your existing policy. Your credit team keeps control of every rule from day one.