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Okko Oulasvirta
Financial Services

Credit Exception Decision Support

When an application falls outside policy, put the borrower's full position, the reason for the exception and comparable past decisions in front of the credit officer.

The decision it supports

Does this exception to credit policy make sense given everything we know about this borrower?

What changes

Consistent, defensible exception decisions, made faster, with a record of why policy was overridden. The credit officer holds the decision; the application makes the case reviewable.

Data domains

  • Customers
  • Accounts and policies
  • Transactions and payments
  • Risk and exposure
  • Products
  • Finance and margin

Interactive preview

Credit Exception Decision Support is described here as an opportunity rather than shown as a working demonstration. The interactive build for this industry is Customer & Risk Decision Workspace — it uses the same primitives, the same governed data model and the same decision-to-action pattern this application would.

We build one flagship per industry properly rather than four shallow ones. The pattern transfers.

The workflow

  1. 01An application is flagged as outside credit policy
  2. 02The borrower's income, obligations, balances and history are assembled
  3. 03The specific policy breach and its rationale are made explicit
  4. 04Comparable exceptions and their outcomes are shown for reference
  5. 05The margin and risk impact of approving are estimated
  6. 06The credit officer approves, declines or refers the exception
  7. 07The decision and its justification are written back and retained for audit

Platform capabilities most relevant here

  • OneLake

    One governed copy of enterprise data that analytics, AI and applications can all build on.

  • Curated business entities

    Agree once what an order, an asset or a customer means — then reuse it everywhere.

  • Data science and ML

    Predict what is likely to happen next so people can act before it does.

  • AI functions

    Apply language models to business data as a normal part of a data pipeline.

  • Fabric Apps

    Build the application where the governed data already lives, instead of copying it out.

  • Application state

    Remember decisions, assignments and approvals — the things a report cannot hold.

  • Workflows and approvals

    Keep accountability visible when a decision needs a second pair of eyes.

Not every application needs every capability. This is the subset that this decision actually depends on.

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