Without Silia
- Portfolio updated 2x a week
- Blocks taking 4 to 24 hours
- Decisions with no audit trail
Credit & Portfolio Engine
Part of the Fintech
Consolidates the portfolio in real time, applies credit rules configured without code and executes blocks and unblocks in the core in under 15 minutes.
Fintech
The context
The credit portfolio updates twice a week, by hand
Fintechs originate credit in minutes behind a polished digital front, yet the portfolio is consolidated by hand twice a week. Credit decisions run on data up to three days old, blocks take 4 to 24 hours and sales never knows which client has capacity available.
The solution
Credit decided in real time, on rules you define
Silia consolidates the core banking system, the ERP and the CRM into a live credit profile per client, applies the scoring rules the manager configures without code and executes the block or unblock in the core in under 15 minutes, notifying sales of the capacity.
Key capabilities
A system that gets better with every question.
Source consolidation
Reads receivables, status, payment history and aging from the core banking system, the ERP and the CRM, in real time or in batches.
Rules with no code
The credit manager sets aging thresholds, amounts and tiers from the dashboard, and every decision links to the rule behind it.
Block and unblock
Executes the status change in the core the moment a rule is met and notifies the account executive with the client's capacity.
Exceptions with HITL
Tier A clients, amounts above threshold and out-of-rule cases go through human approval with full context and an audit trail.
With Silia
- Live credit profile per client
- Blocks in under 15 minutes
- Every decision linked to a rule
System
System integrations
During every call, Silia connects live to the systems your operation runs on — updating records, triggering workflows, and confirming actions without interrupting the conversation.
FAQs
Still have questions?
Payments, Liquidity & Factoring Hub
Traces every incoming payment in real time, fires the credit unblock in under an hour, automates quickpays and factoring and watches your cash position.
FintechOutbound Client Acquisition Agent
Contacts 100% of your prospect list by WhatsApp, email and voice, qualifies every profile against your criteria and hands advisors only the warm leads.
Fintech