One decision layer. Every policy, score and workflow connected.
Novel Patterns Decision OS unifies policy rules, scorecards, eligibility, pricing, deviations, simulations, approvals and audit trails into a configurable decisioning layer for lending teams.
A configurable operating system for credit decisions.
Decision OS gives business, risk and technology teams a common layer to design, test, approve, execute and audit lending decisions.
Policy Studio
Configure eligibility, pricing, exposure, deviation and routing rules without hardcoding every change.
Scorecard Layer
Run risk, affordability, semantic and behavioural scorecards inside the decision flow.
Decision Tables
Manage table-driven logic for products, schemes, segments, branches and customer profiles.
Deviation Engine
Capture policy breaches, mitigants, approval levels, conditions and exception workflows.
Simulation Sandbox
Test policy changes, compare versions and understand approval, rejection and risk impact.
Workflow Routing
Route applications to maker-checker, credit, risk, operations and sanction workflows.
Decision Trace
Generate reason codes, rule outcomes, model outputs and evidence-level audit lineage.
LOS Ready
Embed decisioning into onboarding, CAM, sanction, disbursement and monitoring journeys.
Decision OS flow.
From policy design to live execution, every step remains configurable, explainable and auditable.
Design Policy
Configure products, rules, scorecards, tables, thresholds, offers and approval matrices.
Bind Evidence
Map borrower data, AA, statements, bureau, documents and calculated features.
Run Decision
Execute rules, scorecards, deviations, pricing, routing and offer generation.
Approve & Publish
Use maker-checker governance to approve policy changes and activate versions.
Audit & Improve
Review reason codes, decision trace, simulations, exceptions and performance feedback.
Where it helps lenders
What Novel Patterns adds
Build, test and execute lending decisions faster.
Use Novel Patterns Decision OS to bring policy, scorecards, workflow, approvals and audit into one intelligent decisioning layer.