A Business Rule Engine that runs your credit policy on every application.

Why lenders need a BRE

Most LSPs and NBFCs still apply their credit policy by hand: a credit manager opens each file, checks the bureau score, works out FOIR and compares it against a policy document. It is slow, inconsistent between reviewers and hard to audit. A business rule engine makes the policy executable — the same rules, applied the same way, to every application, with the outcome recorded.

How it works

1. 01

   Define your policy as rules

   Set thresholds for bureau score, FOIR, net salary, age, loan amount, pincode and more — per product, without writing code.

2. 02

   Rules run on every application

   As KYC, bureau and bank statement data arrive in CredBrick, the engine evaluates each application against the active policy.

3. 03

   Approve, reject or refer

   Clear passes and clear fails are decided instantly; borderline cases are routed to a credit manager with the rule outcomes attached.

What's included

• Bureau cut-offs

  Minimum CIBIL score, recent enquiries and existing delinquency checks.

• FOIR & income rules

  Cap fixed obligations as a share of net income and set income floors per product.

• Eligibility filters

  Age bands, serviceable pincodes, employment type and loan amount limits.

• Blacklist checks

  Reject applicants whose PAN is already blacklisted anywhere in your book.

• Per-product policies

  Run different rule sets for personal, EMI, gold and short-term loans.

• Works with your data

  Uses the KYC, bureau and bank statement data CredBrick already collects.

Frequently asked questions