Case Study: Bajaj Finserv achieves faster time-to-market and centralized, flexible credit decisioning with ACTICO Rules (ACTICO)

Bajaj Finance uses ACTICO Rules as central decisioning and pricing engine

Bajaj Finserv faced slow, inflexible credit decisioning because business rules were hard‑coded in its loan origination system and any change had to go through IT change management. To decouple rules maintenance and empower business users, Bajaj Finserv selected ACTICO and its product ACTICO Rules as a central decisioning and pricing engine to replace the embedded rule engine.

ACTICO implemented ACTICO Rules as a centralized, integrated decisioning engine (tied into the loan origination system and data warehouse) to realize rating models for eligibility, deviation checks, approval matrices and premium calculations. As a result, business users can configure rules without coding, iteration cycles with IT have decreased, regression testing needs have been reduced and time‑to‑market for new decision logic has improved significantly — benefits Bajaj Finserv attributes directly to ACTICO.

Bajaj Finserv

Anurag Chottani

CIO