Case Study: Cred-System achieves 96% faster credit origination and 30% lower costs with FICO Blaze Advisor

A flexible risk decision system leads to more profitable customer relationships for Cred-System

Cred-System, a Brazilian card issuer serving higher‑risk and previously unbanked customers, was held back by a slow, hard‑coded origination system that required third‑party IT changes. The lender couldn’t quickly modify or test credit strategies, creating long time‑to‑market delays and limiting its ability to grow profitable customer relationships.

Cred‑System implemented FICO Blaze Advisor and FICO Customer Dialogue Manager as a decision hub, giving business users direct control of rules and strategy testing and connecting disparate data for a 360° customer view. The new automated workflow delivered 96% faster origination decisions, 300% faster strategy implementation, 97% decision automation, a 30% reduction in origination cost and longer‑lasting customer relationships, and is being expanded into portfolio management and multi‑channel campaigns.

Cred-System

Davi Brito

Director of Risk