Unleash the power of Optimo to make accurate and compliant decisions, quicker.
Reduce your lending risk, increase your efficiency and grow your product line with Optimo’s automated affordability checks.
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Reduce your lending risk with Optimo’s fully automated decision engine to produce robust affordability assessments
Affordability checks have traditionally been complex and labour-intensive for underwriters. Optimo's automated model enables fully automated decisions for both residential and buy-to-let applications. By integrating credit, open banking and property data with the information provided at application, lenders reduce the need to rely on generic affordability data.
Unlock the potential of your lending business with Optimo
Automate your credit decisions with data from our standard integrations of third-party data sources. Empower underwriting teams by streamlining affordability decisions and utilising multiple data points to deliver better and more accurate decisions.
Gain the ability to easily refine your affordability models and policies by testing various scenarios against controlled data sets. Understand proactively and historically how adjustments to affordability rules may impact your lending risk and opportunities.
Uniquely profile borrowers based on various factors incorporating their ability and propensity to pay throughout the lending cycle. Instil greater confidence in brokers and borrowers by harnessing technology and data to maintain consistency with affordability decisions.
Update affordability models to support evolving products, where elements can be re-used from your existing product lines or adding new data sources.
Optimo brochure
Learn more about how Optimo can empower you to make faster, well-informed decisions with our handy guide.
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