The CRIF Decision Engine is designed to put business users in control, enabling them to create, test, and monitor decision strategies and scorecards without writing a single line of code. CRIF’s enterprise decision management platform, StrategyOne, is now redefining credit decisioning across industries. It combines no code simplicity, an AI assistant trained on real-world credit expertise that performs like a senior analyst, and robust governance built in by design.
Business teams can design, optimize, and execute credit strategies, covering every aspect of credit management, including origination, risk based pricing, portfolio management, fraud detection, early warnings, and debt collection, among many others. All in one place.
The integrated AI agents turn expert intent into validated, ready to execute strategies. They speed up onboarding, reduce IT dependency, and keep humans in the loop. Legacy migrations become structured and secure, while features like what if simulation, KPI validation, and champion–challenger testing ensure every strategy is optimized before go live.
Where intelligence meets credit confidence
StrategyOne is built to deliver speed, precision, and governance, providing the clarity needed to act faster, the control required to stay compliant, and the intelligence to turn every decision into a competitive advantage.
At the core of StrategyOne is an AI assistant trained on real-world credit practices. It understands intent and turns it into validated strategies ready for execution. This means faster onboarding, guided workflows, and decisions that remain explainable and compliant, ensuring human oversight and authority at every stage.
StrategyOne enables the management of the entire credit lifecycle within a single environment with built in governance. Whether new strategies are being developed, pricing models refined, portfolio performance strengthened, or margins protected through early detection and fraud prevention, every action is supported by transparency and auditability.
This means innovation can be pursued with confidence while maintaining full compliance and control.
The strengths of a new tool
Managing risk and credit is central to every financial decision.
StrategyOne can help respond to market changes with agility, reduce operational risk, and maintain full control over credit strategies:
- No-code simplicity: empower your business teams to design, optimize, and execute credit strategies without IT bottlenecks.
- Integrated AI assistant: trained on real-world credit practices, our AI performs like your best analyst—guiding onboarding, workflows, and strategy validation.
- Full governance & compliance: every decision is explainable, validated, and governed through human-in-the-loop approvals and versioning.
- Simulation-first workflows: test strategies, validate KPIs, and run champion–challenger scenarios before going live, ensuring confidence and control.
- End-to-end lifecycle management: origination, risk-based pricing, portfolio management, fraud detection, early warnings, and debt collection–all in one place, with full auditability.
With CRIF, financial institutions benefit not only from advanced technology, but also deep expertise and a consultative approach to credit risk management, unlocking new levels of performance and intelligence.
StrategyOne is already trusted by hundreds of organizations across more than twenty countries, powering millions of decisions every day. It combines decades of credit expertise with the practical power of agentic AI, helping teams move faster, reduce risk, and deliver consistent results at scale.
Continuous innovation and strong support ensure access to the latest in data science, machine learning, and compliance, making credit decisioning a real competitive advantage.
