Connect
Multiple data sources
Access a diverse array of data sources to make more informed decisions, reduce delinquency, and scale operations, without compromising on quality or efficiency.
Platform Feature
Launch new credit products through three simple actions
Resources
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How to implement a policy?
Take the complexity out of
decisioning
decisioning
Step 1
Connect data sources
Choose diverse data sources and distribute them strategically across endpoints to streamline data access, enhance workflow efficiency and reduce cost and processing time.
Step 2
Create rules and models
Craft business logic using expressions or decision tables in simple, natural language. Experiment with rules in a sandbox environment. Drag and drop policy modules to link them into a workflow.
Step 3
Run simulations
Use what-if analysis to adjust key variables and understand their potential impact on lending outcomes. Backtest to assess the performance of a lending strategy against historical data.
Step 4
Publish
Easily assign a draft policy for review. Once approved, set monitors to catch anomalies early on, and take it live on the origination channel of your choice — whether your own or your partners’.
Take the complexity out of credit decisioning
Effortlessly create multiple policies and borrower journeys tailored to partner expectations in no time. Zero coding required! Achieve targeted objectives — maximising approvals, minimising costs, or streamlining journeys — through cascading workflows. These workflows maintain audit trails of every loan application journey, ensuring regulatory compliance and facilitating audits.
Backtest your way to sharper decisions
Simulate your policies to see how they may have fared in the past. Apply historical data to your workflows to evaluate the efficacy of your lending strategies, and pinpoint areas for improvement. Easily access historical data on Sentinel using simple filters that categorise users by outcomes (approved, rejected, undecided) within specified timeframes, and chosen loan programmes.
Partnership-based lending
Power up your lending game
through partnerships
through partnerships
Partnership-based lending poses three key operational challenges: onboarding new partners with diverse policy needs, enabling dynamic pricing adusted for different partnership terms, and limited visibility into loan programme performance across partners.
With Sentinel, you can create tailored policies for each partner and customise journey touchpoints to minimise friction and meet partner expectations. Plus, easily implement partner-level pricing, and get granular visibility on performance across partners.
Benefits
Smarter rules and smoother
journeys
journeys
Save engineering resources
Sentinel empowers risk teams to gain autonomy from IT teams and seize full control of digital lending, thereby saving on engineering resources spent on repetitive tasks.
Scale, speed, and agility
Respond to high-risk incidents such as fraud at incredible speed. Adapt your credit policies to changing externalities, quickly. Scale your operations, efficiently.
Upsell and cross-sell
Add policy modules for real-time upselling & cross-selling, or batch process results for select users to run cost-effective campaigns — limit enhancement or card upgrades.
Enterprise-grade security
Experience seamless user authentication (SSO), and easily collaborate on policy creation and deployment (RBAC). We are SOC-2 Type II compliant.
Let's get you started!
Get in touch with us to discover how Sentinel can empower your organisation, streamline lending processes, and boost performance.