Understanding Credit Processes
A comprehensive knowledge transfer for Product Management teams covering credit system architecture, data flows, and decision processes.
Knowledge Transfer Sessions with Carsten & Vera
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6+
Systems Integrated
5
Process Steps
Multiple
Decision Points
2 Bureaus
Data Sources
Core Systems
Explore the key systems that power our credit processing workflow
ESMO
Dealer System
Entry point for credit applications from dealers
Learn more
LPS
Loan Processing System
Initial validation and customer verification
Learn more
PCO
Power Curve Origination
Credit bureau data retrieval and processing
Learn more
SDS
Scoring & Decision System
Risk assessment and automated decision making
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Credit Bureaus
External data sources for comprehensive credit assessment
Additional Resources
Dive deeper into process flows and data management
Process at a Glance
High-level overview of the credit decision workflow
1
Application
Dealer submits via ESMO
2
Validation
LPS processes data
3
Assessment
PCO & SDS evaluate risk
4
Decision
Approve or refer