uFlow for risk and credit teams
Change your credit policy in hours, test it against your history and improve approvals and delinquency, without depending on IT.
The risk team competes on speed and precision: whoever adjusts the policy faster learns faster. uFlow gives you the autonomy to do it yourself, without waiting for a development for every change.
Autonomy without depending on IT
You edit each policy as a flow or decision tree with a visual drag-and-drop editor, and publish it without writing code. The change that used to take months of development now takes hours, and your team does it.
- No-code editor for rules and flows.
- From months of development to hours.
- The risk team publishes without IT.
Test before risking the portfolio
Before publishing, you simulate each change against historical data (backtesting) and run two strategies in parallel on live traffic with champion/challenger. You change the policy with evidence, and roll back to a previous version under control if needed.
- Backtesting against your history.
- Champion/challenger on live traffic.
- Controlled reactivation of versions.
Your models and data, in one decision
You run your scoring and ML models in production without maintaining your own environments, and combine bureaus, alternative data and your rules in a single decision point, with the reasoning behind each result.
- Your own models in production.
- Bureaus and alternative data combined.
- Reasons for every approval or rejection.
Results with data
Colsubsidio cut its delinquency from 25% to 12% and Lulo Bank increased processing capacity by nearly 300%, both after automating their decisions with uFlow (sources: La República, Colombia Fintech and uFlow's event with TransUnion).
Everything you need to know
Can I change a policy without asking IT for a development?+
Yes. You edit and publish the policy from the visual editor, no code. IT is involved in integration and security, not in every tweak to a rule or threshold.
How do I test a change before putting it in production?+
By simulating it against historical data (backtesting) and running it in parallel with the live policy using champion/challenger, to compare performance on live traffic before replacing it.
How much can my delinquency or approval improve?+
It depends on each operation, but there are public results: Colsubsidio went from 25% to 12% delinquency and Lulo Bank raised processing capacity by nearly 300% and approval up to 12%, with citable sources.
Start growing with uFlow
Transform your credit assessment process with the decision engine.