Case Study: Brazilian bank achieves faster, more profitable credit decisions with FICO Blaze Advisor

Banking giant grows portfolio with better credit decisions

This Brazilian banking leader in corporate and consumer markets needed to grow its portfolio in a fiercely competitive environment while keeping risk under control. To do that it had to move away from a slow, hard‑coded mainframe process and overhaul customer decisioning—unifying customer data, automating workflows, and creating a customer‑friendly front end so sales teams could make the right offers at the right time.

The bank implemented FICO Blaze Advisor as an enterprise decision engine, enabling a web‑based, one‑stop application experience and a single sales screen with eligible offers and customer data. The new rules‑driven system delivered faster policy changes (900 rules updated immediately), fewer bureau follow‑ups (average flags down to 0.5), more profitable and timely offers, improved customer experience, and more efficient processing workflows.