Smarter decisioning that finds creditworthy applicants others miss.
The Decisioning Engine is Kikoff's productized underwriting infrastructure. Connect via API at the point of application, and Kikoff's models evaluate applicants using credit data, alternative signals, and portfolio-specific tuning — approving more qualified borrowers without increasing default risk.
Portfolio-tuned underwriting models
Decisioning models are calibrated to your risk appetite, product type, and portfolio performance — not generic industry benchmarks.
Alternative data signals
Beyond traditional credit scores, the engine incorporates cash flow, payment behavior, and credit-building progression data to identify creditworthy applicants with thin files.
API-first at point of application
Decisioning runs in real time via API during the application flow — approve, decline, or route to recovery in milliseconds, with full explainability.
Continuous model refinement
Models improve as portfolio performance data flows back. Approval rates and risk outcomes get better over time — not just at launch.
Decisioning infrastructure that grows your book — responsibly.
Capture creditworthy applicants you're declining today
Thin-file and near-prime applicants often get auto-declined by legacy models. Decisioning Engine identifies the ones who will perform — expanding your originations without expanding your risk.
Real-time decisions at application
Batch decisioning and manual review slow down originations. API-first decisioning delivers instant outcomes — improving conversion rates at the top of your funnel.
Better models, not looser standards
The goal isn't approving everyone — it's approving the right ones. Portfolio-tuned models with alternative data signals find creditworthy applicants that traditional scores miss.
Enterprise-grade credit features, live within weeks.
Integrate
Connect via Kikoff's API. White-glove onboarding, sandbox testing, and compliance infrastructure included.
Reporting goes live
End users opt in inside your platform and their data starts flowing to the credit bureaus.
Kikoff handles the rest
Customer servicing, ongoing payment capture, and bureau partnerships. Your team stays focused on your product.
# Evaluate an application in real time curl https://sandbox.enterprise.kikoff.com/v1/decisioning/evaluate \
-H "Authorization: Bearer $API_KEY" \
-d '{
"application_id": "app_90821",
"applicant_id": "usr_abc123",
"product": "personal_loan",
"amount": 5000
}' # Response: 200 OK {
"decision": "approved",
"risk_tier": "B",
"confidence": 0.87
}
Upgrade your decisioning without rebuilding your stack.
Partnering with us means you focus on what you do best and let us do the building. Full, customizable functionality under your native brand experience.