FICO® Originations Solution, Powered by FICO® Platform

Simple, smart, scalable originations—for today and tomorrow.

Overview

Build your ideal origination portfolio.

Originating a new account is a critical decision affecting 80% of measurable risk throughout the life of an account, and it sets the stage for yield potential from the customer. FICO® Origination Manager delivers the power to make more precise, value-based decisions at the origination stage, enabling you to grow more profitable portfolios while managing customer-level risk. Adapt faster and reduce costs with business-user configurable templates that shorten the learning curve, equipping you to rapidly adjust to dynamic markets and regulatory changes.

How it Works

FICO® Originations Solution, Powered by FICO® Platform allows you to reinvent the originations process, so you can:

Streamline and personalize customer experience by removing unnecessary friction seamlessly across channels.
Future-proof your investment with an agile, extensible, cloud-based solution for business users.
Use an enterprise intelligence network, powered by the leading decisioning and analytic platform.
Grow portfolio profitability without added risk or jeopardizing compliance.

Features

With a rich feature set of advanced tools, FICO empowers business users to make faster, smarter, customer-focused decisions.

FICO® Platform — implement in days, not weeks

What if you could decrease time to decision and manual review by 50%? Effortless, engaging origination that is powered by the industry-leading FICO® Platform. Start simple with configurable templates for fast time-to-value, and then easily add digital sophistication.

Quickly assess risk with pinpoint accuracy

Delinquencies and bad debt bring origination programs to a screeching halt. Decrease risk exposure and minimize application fraud with automated review, approval, and decline decisions—all based on tailored criteria and predetermined score cutoffs.

Deliver convenience to customers, each and every time

Our products work together to provide your customers with valuable experiences across the entire credit lifecycle. This means proactively finding the right solutions for their credit situation based on comprehensive analytics, real-time data, and automated communications.

Connected decision-making across the lending lifecycle

Automated origination models follow your policy rules to efficiently process applications and quickly make decisions. Automated customer communication leverages real-time analytics for quick selection and automated communication of optimal offers.

Unmatched analytical edge for greater precision

Access to the most comprehensive data sources in the world, including advanced analytics for lending decisions and far more accurate recommendations. Operationalized analytics means we know how to seamlessly integrate our data sources with your existing processes.

Flexibility for companies of any industry and size

Modular structure allows you to use the right mix of products for your business, including easy integration with both your existing software stack and other FICO lending modules. On-premises or cloud deployments depending on your architecture. We’ll help you choose the right option for shorter deployment times and use with multiple products, business lines, and locations.

Enabling Technologies

With 60+ years of pioneering work in predictive analytics and artificial intelligence, FICO powers our solutions with the most advanced science available.

Platform

Effortless, engaging origination that is powered by the industry-leading FICO Platform. Start simple with configurable templates for fast time-to-value, and then easily add digital sophistication.

Cloud

Provide origination that is safe, scalable, and cloud-powered to improve solution flexibility, ROI, and extensibility.

AI, Machine Learning and Advanced Analytics

Drive portfolio profitability (without adding risk) through FICO’s pioneering AI and advanced analytic offerings for onboarding and origination.

Optimization

Simulate, analyze, learn, continually improve onboarding and origination strategies. Use prescriptive analytics to optimize strategies on a customer-by-customer basis to increase profitability, balance constraints, and deepen customer relationships.

Parking structure

Driving Measurable Improvements

Our clients have improved their operational efficiency, reduced delinquencies and losses, cut costs, and maintained security and compliance.

Man using calculator

300

%

Increase in revenue in the last 12 months

2

Billion loans in less than 14 months

50

%

Increase in new account bookings

100

%

Increase in application volume capacity

Customer Development

Customer Development

Customer Development

Modern parking structure

Customer Development

Woman using computer

Customer Development

Businessman on laptop

Customer Development

From the FICO Blog

Measuring and Eliminating Customer Friction

A digital transformation resolution for 2020.

Read more

Making The Digital Leap in Banking

Read more

AdobeStock_127705543@2x.jpeg

Beyond Generation Z: Digital Account Opening for Everyone

Read more

AdobeStock_70772379@2x.jpeg

Reinventing Origination: Fixing the Decisions that Matter

Read more

AdobeStock_176790944@2x.jpeg

The Ballad of the Small Banker: An SBA Lender’s Experience with PPP Loans

Read more

AdobeStock_127705543@2x.jpeg

Looking Ahead and Preparing for a Post-Coronavirus World

Read more

A loan origination solution you’ll never outgrow

Flexible, frictionless loan origination. The right fit for today’s origination needs—and future-proofed for tomorrow. To learn more about FICO® Origination Manager, get in touch with one of our experts or request a demo.

Contact Us