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Better Decisioning, Everywhere.

Combine powerful, simplified rules with advanced analytics to ensure every decision is smart, context-aware, and informed with our software for credit decisioning.

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WHY FITLOGIC?

Credit issuers need the ability to optimize every decision. Made across an extensive list of mission-critical areas, every credit decision unlocks new opportunities while controlling new risks with our automated credit decisioning software.

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Every stage of the credit risk lifecycle benefits from better decisions.

Fraud

Use advanced analytics features of our credit decisioning software to identify patterns that indicate fraudulent or suspicious activity. Combine this with rules that trigger workflows to prevent fraud. Incorporate data in real-time to make timely, smart decisions that actively prevent fraud and protect your customers.

Originations

Issue immediate digital lending approvals and create risk models that adapt in real-time and make smart decisions based on business objectives with our automatic credit decisioning software. Speed up the approvals and credit decision process to improve customer experiences and grow your customer base without unnecessary risk.

Pricing

Connect with third-party data sources, credit bureaus, and first-party data to determine the optimal pricing for any product. Make decisions based on real-world market conditions, testing offers in real time to drive more business.

Marketing

Identify and generate leads for new products with a professional credit decisioning software. Segment and market your products to customers that match your ideal customer profile, then present them with marketing materials when they are most likely to convert.

Compliance

Create rules that enforce compliance with regulations across the business. With powerful, visual reports, you’ll see the impact and wider implications within your organization.

Customer Management

Improve your customer experience by adapting credit lines, credit limits, or anything else in line with your business strategy with our automated credit decisioning software. Reward loyal customers with discounts, rewards, and beneficial terms that activate automatically.

Insurance Claims

Assess and manage claims at scale by building rules based on predictive analytics. Use data from third-parties and machine learning to intelligently manage the decisioning process. Categorize, label, and action claims automatically, revising handling strategy as needed.

Pre-delinquency

Detect vulnerable customers before they become delinquent and provide them with the care and support to guide them out of financial hardship before they default. Ingest data from everywhere to uncover signs of financial stress, enabling you to act on it early and prevent customers from falling into collections.

Collections & Recovery

Use real-time data and insights to remedy delinquent accounts and guide customers through financial hardship with our automated credit decisioning software. Help customers through the most effective and personalized treatment plan based on account history and other aggravating factors you determine.

The C&R Credit Risk Lifecycle

Every decision presents opportunity and risk.

Unlock opportunity
Manage risk
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Pre-delinquency

Detect vulnerable customers before they become delinquent and provide them with the guidance they need to get out of financial hardship before they default. Ingest data from everywhere to uncover signs of financial stress, act on it early, strengthen customer relationships and build loyalty during a time of hardship.

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Collections and recovery

Use real-time data and insights to make credit decisions that remedy delinquent accounts and guide customers through a stressful time with our automated credit decisioning software. Help customers through the most effective and appropriate treatment plan based on account history and other aggravating factors.

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Loan originations

Use our automated credit decisioning software to issue immediate digital lending approvals and create risk models that adapt in real-time and make smart decisions based on business objectives. Speeding up the approvals process improves the customer experience and grows your customer base without unnecessary risk.

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Pricing optimization

Connect with third-party data sources, credit bureaus, and first-party data to determine the optimal pricing for any product. Make decisions based on real-world market conditions, testing offers in real time with our credit decisioning software.

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Insurance claims

Assess and manage claims at scale by building rules based on predictive analytics. Use data from third parties and machine learning to intelligently manage the entire process. Categorize, label, and action claims automatically, revising handling strategy following next-best actions using our software for credit decisioning.

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Detect and prevent fraud

Use advanced analytics to identify patterns that indicate fraudulent or suspicious activity. Combine this with rules that trigger workflows that prevent fraud. Incorporate data in real-time with our credit decisioning software to make timely, smart decisions that actively protect your customers.

Plus much, much more

Recommendation Systems Enforce Compliance Adapt to New Regulations Increase Credit Lines Retention and Usage Initiatives Recommendation Systems Enforce Compliance Adapt to New Regulations Increase Credit Lines Retention and Usage Initiatives Recommendation Systems Enforce Compliance Adapt to New Regulations Increase Credit Lines Retention and Usage Initiatives Recommendation Systems Enforce Compliance Adapt to New Regulations Increase Credit Lines Retention and Usage Initiatives

Decision management has never been so simple.

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Simplify the complex

Say goodbye to the complexities of traditional code-heavy decision platforms.  A sleek graphical user interface of our automated credit decisioning software simplifies decision rule visualization, enhancing accessibility and clarity. Map decisions visually, focusing on strategy and outcomes, and reduce the time spent on implementation.

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Real-time decisions using live data

Connect your data sources and workflows in real-time to make the right decisions based on data available to the minute.

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Ingest data from anywhere

Connect any system, data source, or third-party reference and use this as decision logic you can simulate and run in real time. This includes everything from your collections platform and host system to communication channels and beyond.

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Live decisions that power great customer experiences

Shorten the time-to-value for every customer using live, up-to-date decisions and data that reduce friction and improves conversion rates at every stage of the credit lifecycle.

Ready to Elevate Your Decision Management?

Discover FitLogic—the credit decisioning software blending advanced analytics and powerful rules management with a simple, easy-to-understand user interface for business users. Experience operational excellence and strategic decision-making like never before.

Frequently Asked Questions

What is FitLogic?

FitLogic is an automated credit decisioning software designed to enhance business agility and streamline complex decision-making processes.

Built by C&R Software, this all-in-one decision management platform automates and optimizes key operational decisions. Leverage existing data to author and manage rules and decision flows. Your teams gain the power to make smarter decisions, accelerate efficiencies, maintain strict regulatory compliance, and so much more.

Thanks to our low code/no-code approach, both technical and non-technical users have the ability to discover, test, simulate, deploy, and continuously improve data-informed decisions. Users can easily create and modify rules or translate complex data and workflows into user-friendly visualizations without extensive involvement from IT.

Additionally, the platform operationalizes data science by allowing users to seamlessly import, customize, and manage predictive models. Easily trigger machine learning tasks and experiment with various strategies all within the same environment to boost your organization’s analytical capabilities.

By providing organizations with tools for monitoring and measuring decision outcomes, FitLogic optimizes business performance. Customizable dashboards, simulations, and alerts enable organizations to track results in real-time and ensure decisions align with key business objectives.

Designed for complex decision-making implementations, FitLogic is adaptable to any enterprise architecture or governance model. It ensures high performance while maintaining security and scalability, making it suitable for various operational environments in the field of credit risk management.

Is the software suitable for businesses in multiple industries?

Yes, FitLogic credit decisioning software is suitable for businesses across a wide range of industries. Our dynamic decision engine has enhanced operational agility for banks, fintechs, telecoms, retail, and more.

Any company operating in the field of credit risk management can take advantage of FitLogic. Its highly configurable and customizable platform adapts to meet the unique needs of your enterprise, streamlining everything from loan originations to pre-delinquency detection to collections and recovery.

The software’s advanced capabilities allow organizations to automate and streamline their processes, regardless of industry-specific complexities. FitLogic supports industry-agnostic workflows and integrates seamlessly with existing systems, making it adaptable to diverse operational needs. The rule-based decision engine can be tailored to reflect your organization’s specific credit policies, risk thresholds, and compliance requirements.

For industries with high volumes of credit applications, FitLogic’s automated credit decisioning software significantly reduces manual effort while ensuring faster and more accurate evaluations. By leveraging real-time data analysis and customizable algorithms, it delivers consistent and precise automatic credit decisioning, enhancing both efficiency and customer experience.

With FitLogic, businesses from any sector can confidently manage credit risk, improve operational efficiency, and achieve better outcomes through reliable, scalable, and industry-ready solutions.

What makes your credit decisioning software different from others on the market?

FitLogic empowers businesses to make smarter decisions faster by simplifying the management of complex rules and workflows through the dynamic integration of advanced analytics and AI capabilities.

Compared to other tools on the market, this leading credit decisioning software empowers technical and non-technical users alike to engage with rules authoring and decisions flows. That’s right—no programming skills or advanced training courses are needed to take advantage of this cutting-edge decisioning technology.

With FitLogic, business analysts are empowered to manage workflows and configure, audit, and adjust decision logic, all on their own. The interfaces are intuitive and easy to use, and they support user-friendly visualizations of complex workflows. As a result, users are able to adapt to changing business needs faster and more effectively.

Also, the low code/no-code framework is ideal for IT and technical teams as well. Freed from more routine upkeep and maintenance, these professionals are able to refocus their efforts on higher-value business tasks. With FitLogic, efficiency gains abound.

How does the software facilitiate compliance with financial regulations and data protection laws?

FitLogic credit decisioning software is packed with features to help your organization maintain compliance with financial regulations and data protection laws. Its flexible framework easily adapts to align your credit decisioning processes with both industry standards and legal requirements, so you can operate confidently and responsibly.

The platform facilitates compliance with key regulations like the Fair Credit Reporting Act (FCRA), GDPR, CCPA, and other region-specific laws. Its customizable workflows and decision-making rules can be tailored to your organization’s specific regulatory needs, making sure every credit decision meets the proper legal standards.

By facilitating compliance checks, the software helps you protect customer trust, reduce risks, and deliver efficient, lawful credit decisioning with ease.