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Building enterprise-grade low-code applications with Kissflow requires minimal ramp-up time, enabling IT teams and business units to collaborate without bottlenecks. Kissflow’s visual development environment empowers process owners to rapidly design and deploy both simple and mission-critical applications—while IT retains full governance and security oversight.
Enterprises can also deploy fully functional, pre-built low-code apps to accelerate modernization, automate complex workflows, and standardize operations across departments. With reusable components, built-in compliance controls, and seamless integration capabilities, Kissflow helps organizations streamline internal processes at scale—without rebuilding systems from scratch.
Credit Scoring Engine
Kissflow's Risk-Based Approval Routing App helps finance teams direct credit applications to the right approversautomaticallybased on customer risk profiles, score thresholds, or application type. No more one-size-fits-all reviews.
Creator
Language
English
Category
Retail
Trusted by credit operations and distributor finance teams to accelerate onboarding, reduce data entry, and maintain accurate credit profiles.
From Gut Feel to Risk Science
Not every application needs senior-level attention. This app intelligently routes credit requests based on logic like score range, region, credit limit requested, or business segmentso low-risk accounts can move fast while high-risk cases go to decision-makers.
What Is a Credit Scoring Engine?
It's a configurable algorithm-based scoring module that analyzes financial, behavioral, and external credit inputs to produce an actionable credit score for every customer or distributor.
It ensures:
- Standardized evaluation of creditworthiness
- Transparent scoring logic aligned to your business model
- Instant credit decisions at scale
- Reduced human error and bias
Why Do Credit Teams Need This?
Without a scoring engine, credit teams risk:
- Inconsistent approvals based on individual judgment
- Slow turnarounds for large-volume applications
- Missed red flags due to manual data review
- Difficulty justifying credit decisions in audits
Key Benefits:
- Create weighted scoring models for any customer type
- Apply rules to flag risk, recommend limits, or auto-approve
- Integrate with credit data sources and approval workflows
- Review and audit all scoring inputs with full transparency
Build Smart Credit Models With a Low-Code Engine
Kissflow's low-code scoring builder lets you define scoring factors (e.g., days sales outstanding, net profit %, payment history), set weightages, and apply score thresholds to categorize applicants.
Multiple scoring models can be definedfor new customers, renewals, high-risk accounts, or different regionsand adjusted as policies evolve.
Why Choose a Scoring App Built on Low-Code?
- Define your own scoring formula and risk rules
- Auto-score applicants as data is retrieved
- Flag customers by credit tier or risk category
- Adjust metrics or scoring weights with no IT involvement
Who Is This For?
- Credit risk teams standardizing decisions
- B2B finance teams handling high application volume
- Distributors segmenting customers by payment behavior
- Credit committees needing defensible scoring logic
Accelerate Retail Workflows with Low-Code
Modules
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Scoring Model Designer: Build formulas with weightages and thresholds
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Input Mapper: Pull data from ERP, CRM, or credit APIs
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Score Card Generator: Produce a visual breakdown of score components
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Risk Tier Tagger: Assign categories like Low, Medium, or High risk
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Decision Recommendation Engine: Suggest actions based on scores
Features
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Custom scoring logic by customer type or market
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Weighted financial and behavioral inputs
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Auto-triggered scoring upon data retrieval
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Configurable approval recommendations
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Integration-ready with credit workflows
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Score audit logs for compliance and justification
- Low-code model adjustments and cloning
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Click the Enquire button on the app tile or landing page.
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Fill in the details of the features you want and your team's size on the enquiry form.
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Click Submit.
Kissflow's support team will contact you to learn more about your requirements.
Fair, Fast, and Fully Justified Credit Scores
Finance teams are streamlining approvals and improving risk controls with Kissflow's Credit Scoring Engine.
This is so easy, even my mom could do this. It was extremely intuitive and straightforward. The watermark was, 'I don't need to call IT to do this. I can do it myself.
Renee Villarreal
Senior IT Manager
Industry
Energy
HeadQuaters
USA
Key Highlights
450+
Process
10x
ROI
10,000+
Users
The beauty of Kissflow is how quick and easy it is to create the apps I need. It's so user-friendly that I made exactly what I needed in 30 minutes.
Oliver Umehara
IT Manager
Industry
Telecom & Media
HeadQuaters
Japan
Key Highlights
28+
Processes
42
Group Companies
70+
Users
We seek to go beyond incremental efforts not only in sustainability but also in everything we do. With Kissflow, FPH and its subsidiaries were able to digitize dramatically major operations, especially in their finance and accounts operations.
Joseph Arnel Chavez
Assistant Manager
Industry
Energy & Utilities
HeadQuaters
Philippines
Key Highlights
100+
Office Processes Automated
1,000+
Monthly Paperless Processes
10,000+
Employees
Frequently Asked Questions
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