Case Study: Home Credit Group achieves rapid expansion to 11 countries, 5% higher approvals and €2M+ profit with FICO Decision Management Suite

How Home Credit Group transformed its business and expanded to 11 countries?

Home Credit Group, an international consumer finance provider operating in 11 countries, needed a more agile decision-making approach to support rapid, sustainable expansion and diversify into new markets (including a US joint venture with Sprint). The lender faced manual, hard-coded origination processes that slowed rollouts, underwriting and market entry.

They implemented FICO Decision Management Suite (including Blaze Advisor) to centralize decision logic while giving local teams control, integrate external data, and automate underwriting. The change drove strong results: €2M+ extra profit in year one, a 5% approval lift in one market, 30% more customers in a year, deployment time cut from 6 months to 3 days, and application approval time reduced from 15 to 5 minutes.

Home Credit Group

Vladimir Michl

Group Risk Technology Manager