Theta Origins
The loan origination and workflow engine. Handles the end-to-end origination lifecycle for retail, SME, and corporate lending.
Explore Origins92% straight-through processing. Achieved for the oldest tier-1 bank in the Philippines. This is what a well-engineered credit workflow does.
92% STP — sourced from the bank's published annual report.
Theta designs and implements credit workflow systems for tier-1 and complex financial institutions across retail, SME, and corporate lending. Our implementations are bespoke — built to your processes, your policies, and your regulatory environment.
What Theta builds
From application to disbursement — one system.
Origins handles retail, SME, and corporate lending on a single platform. A shared back-office, common credit screening policy, and unified data model across all segments — reducing cost, improving consistency, and giving a comprehensive view across the lending business. Workflow engine, decision engine, and document generation engine work together to enable true straight-through processing.
Your policy. Your rules. No vendor dependency.
Theta's implementations are bespoke — configured to your lending products, your approval structures, your regulatory requirements. The Decision Manager module gives your credit risk team direct control over rules, scorecards, and decision flows, without code changes or vendor involvement. Credit policy stays in-house, where it belongs.
Designed to integrate. Flexible to deploy.
Origins integrates with core banking, credit bureaus, KYC systems, AML platforms, document management, and customer-facing channels. Deployment options include on-premise, bring-your-own-cloud (AWS or Azure), or fully managed services. Our team has navigated the integration landscape in 11 countries — what looks complex has usually been done before.
Origins is built on two core products — each designed for a distinct layer of the credit workflow.
Theta Aquila
The commercial and corporate credit assessment engine. Built for the complexity of structured lending, covenant management, and multi-party exposures.
Enquire about AquilaThe decision engine at the core of every Theta implementation.
Decision Manager is Theta's enterprise credit decision engine — embedded in every Origins implementation and available as a standalone deployment via API. It supports the full decisioning lifecycle: scorecards, decision matrices, business rules, and workflow routing. Your credit risk team configures it directly — no vendor involvement, no code changes required.
Explore Decision ManagerOrigins is extended by a suite of modules — each built for a specific layer of the credit workflow and deployable where needed.
-
Decision Manager
Theta's credit decision engine — rules, scorecards, and decision flows configured by your team, without vendor involvement. Also available standalone.
Explore Decision Manager -
Nova
AI · at launchGenerative AI connector and AI assistant for credit assessment — surfaces risk signals, summarises bureau data, and supports analyst decisions at the evaluation step.
-
Vigil
Document OCR with fraud and tampering detection — validates submitted loan documents at application intake before they enter the workflow.
-
Partner Portal
Digital portal for empanelled brokers, dealers, and solicitors to submit applications and track status in real time, with a live performance dashboard.
-
Axis
Partner empanelment — registers and manages the bank's approved network of brokers, dealers, solicitors, and developers. Empanelled partners then access origination via Partner Portal.
-
Field Services
Field verification for collateral assessment, KYC checks, and on-site inspections. Built for markets where physical verification remains a regulatory or operational requirement — including the Philippines.
Available at launch via Nova
Agentic capabilities built into the workflow — available at launch.
Two AI capabilities are available in Origins at launch. The data entry agent reads uploaded loan documents via intelligent document processing and auto-populates the application — eliminating manual data entry at initiation. Nova, Theta's generative AI connector and AI assistant for credit assessment, surfaces risk signals, summarises bureau data, and supports credit analyst decisions at the evaluation step. Both are built into the workflow — not bolted on.
Case reference
The oldest tier-1 bank in the Philippines
92%
of eligible applications processed with automated decisioning — up from 44% before implementation.
- 14% auto loan portfolio growth the year the industry contracted 5%.
- Retail and business banking origination across 1,200+ branches and 16 million customers.
Trusted since 2021 — expanded from auto loan to mortgage to business banking within three years.
Sourced from the bank's published annual report.
See the full track recordFrequently asked questions
How long does a typical bespoke implementation take?
Implementations run in phases — discovery, configuration, integration, UAT, and go-live — scoped to the institution's complexity rather than to a fixed timeline. Focused-scope projects move quickly: a Malaysian community bank went live in under four months.
How does the engagement model work?
Engagements begin with a scoping phase that maps your products, policies, and integration environment, followed by implementation and a post-go-live support model agreed up front. Commercial terms are discussed directly — get in touch to start that conversation.
Can Origins and Aquila be implemented independently?
Yes. Origins handles retail and SME origination; Aquila handles commercial and corporate. Each can be implemented standalone or together on a single platform.
How does Origins integrate with our existing systems?
Through API-based integration with core banking, credit bureaus, KYC and AML platforms, document management systems, and customer-facing digital channels. Theta has built bureau and core integrations across 11 countries, and an extensive API library shortens integration timelines.
Does managing credit policy require ongoing vendor involvement?
No. Decision Manager gives your credit risk team direct control over decision rules, scorecards, and decision flows — all configurable through the UI, without code changes or Theta involvement. Your credit policy remains proprietary and in-house.
What deployment options are available?
On-premise, bring-your-own-cloud (AWS or Azure), or fully managed services — whichever fits the institution's infrastructure and operating model.