Case Study: Global Financial Services Company reduces risk and accelerates auto credit decisions with FICO Origination Manager

Global Financial Services Company - Customer Case Study

An auto-finance subsidiary of a global financial services firm needed to control credit risk while offering innovative loan products and fast digital decisions to consumers who often fall outside traditional bank or dealer financing. Their rigid internal decisioning system forced many applications into lengthy manual underwriting and required IT support for every policy or process change, slowing responses to market shifts.

They replaced the legacy system with FICO® Origination Manager, which auto-processes a much larger share of applications in minutes, applies broader data-driven decision rules and decision trees, and lets underwriters restructure deals on the fly. Business users can update rules without IT, reducing costs and turnaround time, improving risk consistency, and delivering faster, more flexible lending decisions to the dealer network.