SAS Credit Origination
Simplify your credit onboarding with SAS Credit Origination – an AI-powered platform that automates decisioning, orchestrates data, integrates analytics in real time and enforces robust governance. Smarter credit decisions start here.
Why choose SAS for credit origination?
SAS offers a single, cloud-native platform that executes AI-driven decisions in real time or batch, minimizing risk while reducing customer friction for a seamless credit journey.
-
Design decision flows with no-code/low-code tools
Easily manage your credit origination strategies with an intuitive decision flow builder. Drag and drop elements like rulesets, AI/ML models (including open source), segmentation trees, advanced list lookups, and custom code (SAS, Python, SQL) to create powerful, tailored workflows.
Key features
Improve the speed and accuracy of your credit decisions by linking people, processes and technology across your organization.
Accelerated analytical decisioning life cycle
A single cloud-native solution covers the entire credit risk life cycle – from data management to model development to decision/strategy management to model monitoring and reporting.
Seamless data integration
Real-time API integration with open banking, credit bureaus and other third parties verifies identities, assesses affordability and creditworthiness, detects fraud, and manages financial crime compliance. It also utilizes the native drivers for more than 70 databases to retrieve internal information on demand.
Flexible, open & governed
Develop and deploy SAS or open source models for use in batch or real-time decision flows. Create A/B champion/challenger tests that execute models or business rules and monitor strategy performance in real time using integrated model management and reporting capabilities.
Drag-and-drop interface
No-code user interfaces make decision authoring efficient and easy, accelerating innovation cycles by more than 300%. Quickly and easily update and test your strategies based on economic or market conditions and ever-changing regulations to generate optimal returns while mitigating risks.
Automated route to live
Customizable workflow and tasking enable decision deployments that are automated and governed for regulated environments, without the need for IT involvement. Includes maker-checker, version comparison, print model/decision documentation.
Real-time or batch decision execution
Whether it is for credit originations, credit life cycle management, fraud, financial crime or marketing, SAS® Viya® is a unified enterprise decisioning platform that scales to manage more than 20,000 events per second, responds in milliseconds and is highly available.
Automated decision strategies using agentic AI
The integrated analytical feedback loop automates the machine learning process, optimizing models and decision strategies in real time.
Multiple deployment options
Let SAS manage your solution in the cloud via hosted or remote managed services. Or you can manage the solution in your own cloud or on-premises infrastructure.
SAS Viya is cloud-native and cloud-agnostic
Consume SAS how you want – SAS managed or self-managed. And where you want.
Chartis RiskTech100® 2025 Awards
SAS ranks #2 overall – with six category wins
SAS is ranked second overall in the world's foremost ranking of the Top 100 risk management and compliance technology providers. SAS also bested six technology award categories, including AI for Banking, Balance Sheet Risk Management, Behavioral Modeling, Enterprise Stress Testing, IFRS 9 and Model Risk Management.
Related products, solutions & capabilities
- Risk ManagementDrive business evolution with intelligent risk analytics.
- SAS Managed Cloud ServicesTake advantage of cutting-edge SAS technology with maximum uptime using SAS managed cloud services.
- SAS® Anti-Money LaunderingTake a risk-based approach to monitoring transactions for money laundering and terrorist financing activities.
- SAS® Credit Customer ManagementDetect, prevent and manage risk across the entire customer life cycle with SAS Credit Customer Management.
- SAS® Fraud DecisioningDetect, prevent and manage fraud across the full customer life cycle – in real time – with a cloud-native, next-generation fraud decisioning solution.
- SAS® Intelligent DecisioningEasily create, manage and govern robust, analytically driven business rules to power decisioning at scale.
- SAS® Risk ModelingQuickly develop, validate, deploy and track risk models in house – while minimizing model risk and improving model governance.
- SAS® Viya®Benefit from faster data integration, effective model development and reduced cloud costs.
