Credisense Credit Decisioning Platform

Credisense provides a cloud platform that lenders use to originate, decide and manage credit across channels. The website lists offices in Auckland and Sydney and says it is trusted by banks and lenders across New Zealand, Australia and South-East Asia.

The platform combines a decisioning workspace, application queues, dashboards, no-code forms and portals, decision orchestration, sense.AI for underwriting support and Sense.Extract for document intelligence. Policy rules run in real time with champion/challenger testing, and the integration layer reaches over 40,000 data points through REST API, webhooks and SFTP.

• Decisioning workspace: rules-based policy execution with champion/challenger testing.
• Applications and queues: manage origination workflows and dashboards.
• sense.AI: AI support for underwriting reviews.
• Sense.Extract: document intelligence for statements and forms.
• No-code forms and portals: build applicant-facing journeys.
• C3-Synapse integration: connects bureaus, identity providers and core systems.

• A consumer finance company in Vietnam automating loan approvals with policy rules and bureau data.
• An SME lending desk at a bank extracting data from financial statements to speed up underwriting.
• A trade-credit team in a distributor assessing buyer limits.

• No-code configuration lets credit teams change policy rules without developer queues.
• Real-time decisioning shortens time to approval across channels.
• Document extraction reduces manual data entry in underwriting.
• Audit controls and role-based access support regulated lending.

Lenders in Asia-Pacific are replacing fixed scorecards with configurable decision engines to meet changing prudential rules, such as new Philippine central bank circulars noted on the site. Vietnamese banks and finance companies expanding retail and SME lending face the same need for faster, auditable credit decisions.

Offices in Auckland and Sydney. ISO 9001:2015 and ISO/IEC 27001:2022 certified per the site. Partners include Equifax, Experian, illion, DocuSign, Twilio and Mambu. Clients include Maxis and Telkom Malaysia (logos).