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 defined—for new customers, renewals, high-risk accounts, or different regions—and 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