Case Study: Mashreq Bank achieves 30% reduction in manual credit decisioning with FICO Capstone Decision Accelerator (FICO)

Mashreq originations project drives 30% improvement from “day one

Mashreq Bank, a leading UAE lender, needed to speed up and modernize its credit origination process after the 2009 economic contraction. Its existing platform relied on hard-coded decision rules that made strategy changes slow and labor-intensive, so the bank sought to automate originations, reduce credit decision times and realign lending strategy for the new environment.

Mashreq deployed FICO® Capstone™ Decision Accelerator and held strategy workshops with FICO’s Analytic Business Consulting team to review policies and rebuild decisioning. After three months in production, manual referrals to the credit evaluation team fell about 30%, with FICO estimating reductions of 80–90% possible on certain product lines depending on the bank’s risk appetite.

Mashreq Bank

Khalid Zafar

VP, Credit Systems