Empowering the future of lending
Optimo’s revolutionary decision engine empowers lenders to make faster, well-informed decisions, optimise product offerings, and enhance time-to-market for new pricing strategies.
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Scale your business and drive automated decisions with confidence
Designed to provide lenders with a distinct competitive advantage, Optimo’s powerful decision engine combines Intelligent Pricing, Scorecards and Affordability, to drive a fully automated credit risk system to support all types of financial transactions.
Combining a customisable workflow with integrations to market-leading risk and fraud agencies, Optimo can help any financial institution scale its operations while reducing its risk of loss-making decisions.
Unlock the potential of your lending business with Optimo
Optimo’s intelligent dynamic pricing engine, reduces the time it takes to bring new pricing to market by up to 80%. This accelerated speed ensures that your institution can swiftly respond to market demands and capitalise on opportunities faster than ever before.
Leveraging advanced data analytics and predictive modelling, Optimo enables data-driven pricing capabilities. Make pricing decisions based on customer behaviour and risk assessments, ensuring precision and competitiveness in your offerings.
With Optimo, lenders can implement self-serve configuration changes without impacting underlying product characteristics. Enjoy the freedom to tailor products to specific customer segments swiftly and efficiently, all while maintaining the integrity of your offerings.
By utilising algorithmic models and enhanced data sources, increase the competitiveness of your lending products in a highly dynamic and competitive market.
Improve the quality of your loan books by better managing your lending risk by taking into account additional factors in dynamic ways previously not possible.
Make pricing changes with ease and streamline your product release process with Optimo’s low-code, no-code solution.
Optimo is at the heart of all smart lending decisions
Intelligent Pricing
With its speed to market and data-driven pricing capabilities, Optimo's intelligent dynamic pricing engine allows self-serve configuration changes without impacting underlying product characteristics, reducing the number of products required and decreasing time to market for new pricing by up to 80%.
Scorecard
With Optimo’s Scorecard, lenders gain a robust and customisable credit scoring system. Easily assess an applicant's creditworthiness and risk profile, incorporating relevant data points to fine-tune the scoring model. Drive efficiency in credit evaluations and enhance the overall quality of lending decisions.
Affordability
Optimo’s Affordability solution empowers lenders to assess borrowers' financial capacity and ensure responsible lending practices. By analysing income, expenses, and financial commitments, this module provides a comprehensive view of an applicant's financial situation. Make lending decisions that align with regulatory guidelines, including Consumer Duty and borrowers' financial well-being.
Experience the power and flexibility of Optimo’s cloud-first solution
Say goodbye to complex on-premises installations and enjoy the convenience of accessing Optimo from anywhere, at any time, with enhanced security and seamless updates.
Rapidly scale your infrastructure
as your business grows
Roll out new changes without impacting current operations
Stay up to date with latest
features and capabilities
99.99% uptime and
increased security
Unlock the potential of your lending operations with Optimo’s API driven solution
With powerful APIs, Optimo seamlessly integrates with Lender’s existing eco-systems and workflows, connecting to their origination systems, sourcing partners and customer channels, allowing for real-time data exchange and enhanced productivity.
No expensive installations. No painful migrations.
Optimo ensures minimal disruption and maximum impact, driving growth and profitability for your lending business.
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