The credit decision engine at the core of every Theta LOS implementation — and available as a standalone deployment via API. Purpose-built for lending. Self-service configuration. No code changes. No vendor involvement in your policy decisions.
Decision Manager is configured entirely through a UI — no programming, no custom development, no vendor involvement. Credit risk policy managers define and maintain decision rules, scorecards, and decision flows directly. Policy changes are promoted across environments through parameter updates, not code deployments. Your credit strategy is a trade secret. It stays that way.
Decision Manager supports the complete decisioning lifecycle: prospect qualification, credit decisioning, risk-based pricing, counter-offer recommendations, post-approval assessments, pre-disbursement checks, and customer appeals. Core lending functions — credit bureau checks, KYC screening, blacklist matching, affordability calculation — are available out of the box. Built on open standards: DMN for decision models, PMML for scorecards. Existing models migrate cleanly.
All decision processes are tracked from initiation to completion, with transient data captured at each step. Rescoring and re-evaluation are logged separately for full traceability. Maker-checker validation controls all configuration changes. For standalone deployments, Decision Manager is API-enabled — any system can pass inputs and receive a decision based on your configured rules and scorecards. Integrates with existing LOS, core banking, or origination platforms.
Within the Theta LOS
Decision Manager is the decision layer in every Origins implementation — handling scoring, policy evaluation, risk-based pricing, and workflow routing across retail, SME, and corporate lending.
As a standalone deployment
For institutions with an existing LOS, Decision Manager deploys via API — integrating with your current origination platform and giving your risk team the self-service configuration capability they need.
The data entry agent reads uploaded loan documents via intelligent document processing and auto-populates the application before it reaches the decision layer — ensuring cleaner inputs, faster processing, and reduced manual effort at initiation. At the credit review step, Nova surfaces risk signals and supports analyst decisions with AI-assisted analysis. Both capabilities are available at launch.
The oldest tier-1 bank in the Philippines
92%
of eligible applications processed with automated decisioning — up from 44% before implementation.
Retail origination — auto loan, implemented October 2021.
Sourced from the bank's published annual report — independently attributable.
See more implementationsYes — Decision Manager is API-enabled. Any system that can pass inputs receives a decision based on your configured rules and scorecards. There is no requirement to implement the full Theta LOS.
Through a UI accessible to credit risk policy managers — no programming or custom development required. Rules use FEEL (Friendly Enough Expression Language); scorecards follow the PMML standard; decision models follow the DMN standard. All configuration is version-controlled.
Decision Manager deploys as a standalone service, integrated via API with your existing origination or core banking system. Theta handles the implementation; your risk team takes over configuration from there.
Every decision is tracked from initiation to completion, with transient data captured at each step. Rescoring and re-evaluations are logged separately. Maker-checker validation controls all configuration changes, and the open-standard basis (DMN, PMML) supports model governance and validation.
Decision Manager supports simultaneous champion and challenger scorecard configurations — letting risk teams test new scoring strategies against a live population before promoting them to production. All scored data can be exported to your data warehouse for regression analysis and model monitoring.
The decision engine is identical in both. Within the Theta LOS it is fully integrated with the workflow and document generation engines, enabling end-to-end straight-through processing. Standalone, it functions as a service layer any upstream origination system can call — the same decisioning capability without replacing your LOS.