- Credit Engine
- Policies
- Approval tiers
- Automated decision
Credit engine with full governance.
Centralize credit policies, approval tiers, and integrations in a single decision engine — with automated recommendations, full traceability, and control over every rule.
A decision engine that replaces the manual credit desk
From spreadsheets to configurable rules, without depending on development.
Finqi's credit engine is the system that receives a customer's data — an individual or a company — and decides, in seconds, whether a request should be approved, declined, or sent for manual review.
Unlike fixed rules hard-coded into software or credit spreadsheets, Finqi's engine lets credit and risk teams configure and change policies on their own, without opening a technical request.
How the engine decides, in 3 steps
From input data to the final recommendation, in seconds.
Registration data, bureaus, SCR (Bacen), Núclea, and internal sources reach the engine in a single flow.
The engine applies your operation's versioned policies, respecting approval tiers by value, product, or segment.
Approved, declined, or manual review — always with the reason logged and auditable.
How Finqi's credit engine works
A single decision flow, from input data to the final recommendation.
Versioned policies, with approval tiers and exceptions
Configure custom credit policies, set approval tiers by value, product, or segment, and keep a complete history of every change.
- Customizable, versioned policies
- Approval tiers and exceptions
- Reasons and justifications for every decision
Internal and external data in a single analysis
Combine credit bureaus, SCR (Bacen), internal data, and alternative sources — like Núclea — in a single decision flow.
- Credit bureaus (SPC, Serasa, Boa Vista, Quod)
- SCR (Bacen)
- Payment data and alternative sources
Automated recommendation with explainability
The engine recommends approved, declined, or manual review — always with the decision reason logged and auditable.
- Automated recommendation in seconds
- Explainability for every decision
- Full audit trail
Benefits of centralizing your credit decision
What changes in your operation's day-to-day.
Where Finqi's credit engine applies
Where Finqi's credit engine is already used today.
Fast decisions, without giving up control
Numbers from the decision engine in production.
Move faster without losing control
Implement configurable decision flows for credit, fraud, and compliance — with governance, audit trails, and explainability.