CREDIT DECISIONING

Intelligent credit decisioning starts with Alloy

Alloy’s network of 270+ data solutions let you combine traditional credit scores with alternative underwriting data, so financial organizations can approve more applicants and grow their lending portfolios with confidence.

• Alloy helps Earnest optimize customer onboarding and underwriting to boost conversion rates

  -155%56% Increase in automated approval rate

  -185%89% Decrease in time to make a credit policy change

OUR APPROACH

Credit decisioning powered by always-on identity verification

From loan origination through ongoing portfolio management, Alloy unifies identity-related risk signals with credit data on one platform, so your team has the real-time insights to approve more applicants, expand lending opportunities, and monitor portfolio health at scale.

KYC/KYB, fraud, and credit decisioning in one dashboard

Alloy consolidates KYC/KYB, fraud, and credit application data in a single dashboard, so your team can move applicants from identity verification through credit evaluation without switching systems.

Transform complex credit policies

Turn your credit policies into automated workflows without writing code. Build everything from basic rules to complex matrix models, import custom models, or use Alloy Journeys to link multiple workflows into a single configuration that reduces customer friction.

Increase approval rates with alternative data

Choose from credit bureau, business credit data, and alternative credit data solutions — including transactional bank data, cash flow data, employment verification, and utility payment history — so you can confidently underwrite new customer segments, increase approval rates, and bring financial products to more people.

Test and iterate for optimal performance

Backtest workflow changes before they go live, A/B test different versions to see which performs better, or shadow test a new policy alongside current ones. Every option is validated before it reaches customers, so every change you ship performs the way you expect.

ONGOING MONITORING

Automate ongoing credit checks

Grow accounts

Create expansion opportunities

Without Alloy, existing customers who have reduced their credit risk since onboarding stay on the same terms indefinitely, leaving revenue on the table.

With Alloy, identify existing customers who qualify for upsell and cross-sell opportunities and extend offers at the right time, accelerating growth.

Deliver tailored credit experiences

Without Alloy, customers receive generic offers that don't reflect their actual financial profile, leading to lower conversion and weaker relationships.

With Alloy, personalize pre-qualified offers to each customer's specific needs for a seamless and convenient experience for them and higher conversion rate for you.

Reduce risk of default

Without Alloy, changes in customer behavior go unnoticed until a payment is missed, leaving your team to manage defaults reactively rather than getting ahead of them.

With Alloy, monitor customer behavior to better detect and reduce default risk, avoiding negative impacts to revenue.

Improve portfolio health

Without Alloy, portfolio health is evaluated manually and periodically at best, leaving gaps between reviews when conditions can shift significantly.

With Alloy, improve operational efficiency and track the health of your portfolio at scale. Alloy continuously assesses your portfolio and intelligently routes applicants based on their behavior through the appropriate pre-configured decisioning logic.

FAQs

How does Alloy streamline credit decisioning?

Alloy streamlines the lending process by bringing KYC, fraud detection, and credit evaluation into a single platform, so risk and compliance teams control every stage of the decisioning process from one place. Business rules and credit policies, from scorecards to complex matrix models, translate into configurable workflows through a no-code interface. This enables real-time decisions on loan applications with logic that risk and compliance teams can adjust as market conditions and regulations evolve.

Can Alloy help verify thin-file or new-to-credit applicants?

Bureau data alone leaves gaps for a significant portion of creditworthy applicants. Alloy addresses this by connecting to alternative data sources, including cash flow analyses, employment verifications, and utility payment histories, alongside traditional credit scoring, building a more complete picture of each applicant's creditworthiness.

What credit risk assessment data sources does Alloy connect to?

Alloy strengthens credit risk assessment with a network of 270+ data solutions, including all three major U.S. credit bureaus: Equifax, Experian, and TransUnion. For alternative credit data, Alloy works with complementary data providers such as Nova Credit, Argyle, Plaid, and Codat, covering transactional banking, income verification, rental payment history, and fraud signals.

How does Alloy ensure fair and compliant credit decisions?

Every credit decision Alloy makes is fully logged and auditable. Audit trails capture what data was reviewed, what policy triggered the outcome, and why each applicant was approved or denied, giving compliance and legal teams the documentation they need for regulatory compliance without building it manually.

How can Alloy improve loan approval rates without increasing fraud risk?

The more complete your view of an applicant, the better your lending decisions. Alloy expands what's visible at the point of risk decisioning by combining alternative data, advanced analytics, and fraud signals during credit evaluation, supporting smarter, data-driven decisions across a broader range of loan applications.