Credit Scoring Platform
Credit scoring and decisioning platforms using bureau, banking and alternative data — explainable, monitored models.
- ClientCheckout · wallet
- APIIdempotency key
- Identity & KYCVerified
- Risk & complianceRules passed
- Payment gatewayAuthorised → captured
- LedgerDouble-entry posted
- SettlementBank rail · T+1
Journal entry · balanced
| Account | Debit | Credit |
|---|---|---|
| Customer funds | 120.00 | — |
| Merchant payable | — | 118.20 |
| Fee revenue | — | 1.80 |
Division
Service area
Lending & Credit Platforms
Engagement
Project · Team · Managed
Overview
Credit scoring decides who gets credit, how much and at what price. We build scoring and decisioning platforms that combine bureau data, open banking data and alternative data sources, host scorecards and machine learning models with explainability, run champion/challenger tests and monitor model performance and fairness over time.
Common use cases
- Thin-file scoringCredit decisions for applicants with limited history.
- SME scoringBusiness risk from banking and accounting data.
- Behavioural scoringOngoing risk for existing customers.
- Fraud and credit fusionCombined application fraud and credit risk.
Quick answers
Credit Scoring Platform at a glance
The essentials in brief. Every project is scoped individually — ask us for specifics.
- What is credit scoring platform?
- Credit scoring and decisioning platforms using bureau, banking and alternative data — explainable, monitored models.
- Who is it for?
- Typically neobanks, payment companies, lenders, wealth platforms and financial institutions building or modernising customer-facing and back-office systems.
- What does Shivacha provide?
- Data integrations
- Scorecards & ML
- Explainability
- Champion/challenger
- Model monitoring
- Decision audit
- Which technologies are used?
- Python, MLOps, Open Banking APIs, Double-Entry Ledgers, Java, PostgreSQL — chosen to fit your stack and constraints.
- How does the process work?
- Product definition → Data & decisioning → Origination journey → Servicing & collections → Reporting.
- What affects the cost?
- Banking, card, payment and KYC partners to integrate
- Ledger and reconciliation complexity
- Number of currencies, countries and payment rails
- Compliance, reporting and audit requirements
- Mobile, web and back-office scope
- Availability and disaster-recovery targets
- How long does it take?
- A regulated-market MVP usually takes 4–7 months including partner integrations; extensions to an existing platform can ship in weeks.
- How do I get started?
- Share a short brief in the form below, book a 30-minute call or message us on WhatsApp. A senior engineer replies within one business day; NDA on request.
Capabilities
What we deliver
Data integrations
Bureau, open banking and alternative data.
Scorecards & ML
Traditional scorecards and ML models.
Explainability
Reason codes for adverse action notices.
Champion/challenger
Controlled testing of new strategies.
Model monitoring
Stability, performance and fairness tracking.
Decision audit
Full record of inputs and outcomes.
Architecture
Engineered right from day one
The layers we typically design for lending & credit platforms, adapted to your stack and partners.
- Configurable policyCredit rules versioned and editable by risk teams, with full decision audit.
- Explainable decisionsReason codes for every decision to support fair-lending obligations.
- Accurate accrualDay-count conventions, interest methods and edge cases handled precisely.
- Funding flexibilitySupport for balance-sheet, partner-bank and marketplace funding models.
Delivery
How an engagement runs
- 1
Product definition
Loan products, pricing, eligibility and credit policy with your credit team.
- 2
Data & decisioning
Bureau, bank data and alternative data integrations; rules and scoring.
- 3
Origination journey
Digital application, document capture and offer acceptance.
- 4
Servicing & collections
Repayment schedules, payment integration, delinquency workflows.
- 5
Reporting
Portfolio analytics, investor and regulatory reporting data feeds.
Security
Security built into delivery
Controls we apply by default on this kind of work — not a separate phase at the end.
Ledger integrity
Double-entry, immutable journals and daily reconciliation against partners.
Idempotent money movement
Every payment operation safe to retry, with no double-spend.
Access control
Maker-checker approvals, least privilege and full audit logging.
Data protection
Encryption in transit and at rest, tokenised card data and PCI-aware architecture.
Technology
Tools we use for this
Related services
Often combined with
Lending Platform Development
End-to-end lending platforms: origination, decisioning, disbursement, servicing, collections and loan accounting.
Learn moreDigital Lending Solutions
Digital lending journeys that approve good borrowers in minutes — with instant data, automated checks and clear offers.
Learn moreLoan Management System
Loan management systems for servicing portfolios — schedules, repayments, restructuring, statements and accounting.
Learn moreDedicated team
FinTech Engineering Team
Engineers experienced in ledgers, money movement and financial partner integrations.
Work & insights
Related thinking
Ledger-first architecture for a partner-bank neobank
How we structure a neobank so that balances always reconcile with the sponsor bank and partners can be added or replaced.
Learn moreStablecoin settlement layer for a card-accepting payment platform
A hybrid design that lets merchants accept cards as usual while optionally settling in stablecoins.
Learn moreFinTech app development cost: scoping payments, banking and lending products
FinTech budgets are shaped less by screens than by partners, ledgers, compliance and reliability. A guide to the drivers behind a neobank, wallet, payments or lending build.
Learn moreFAQ
Frequently asked questions
Are ML credit models explainable?
They can be, with interpretable model choices and attribution methods that produce reason codes for every decision.
How do you test for bias?
By measuring outcomes across relevant groups where data and law permit, and reviewing features for proxy discrimination.
Do you provide credit models?
We build and integrate credit scoring models and decision engines. The credit policy and risk appetite remain yours; we implement them transparently and auditable.
Can the platform support multiple loan products?
Yes. Products are defined by configuration — terms, pricing, schedules, fees — so new products do not require new code.
Next step
Discuss Your FinTech Product.
Tell us about your credit scoring platform requirements — goals, timeline and constraints. We will reply with questions, an approach and next steps.
- Senior engineer reads every enquiry
- Reply within one business day
- NDA on request
Your details are used only to reply to this enquiry.