To support growth and improve scalability, Propensio implemented the Auto Decision Platform (ADP) in 2022, introducing automation across their credit decisioning processes. This enabled a significant proportion of lending decisions to be automated, while ensuring more complex or borderline cases were appropriately referred for manual underwriting.
The Solution: Scaling Decisioning Through Automation
The introduction of automation has been instrumental in Propensio’s growth:
• 300% lending volume increase the year following ADP implementation • In 2025, lending volumes were 350% higher than in 2022 • Two-thirds of underwriting decisions are now automated • Volumes scaled without a proportional increase in underwriter headcount
The introduction of OpenBankVision (OBV) transformed how Propensio accessed customer banking data. Manual bank statement collection was replaced with direct, digital access to customer transaction data.
The Solution: Faster Decisions Through Open Banking
This materially reduced turnaround times:
• Average decision time reduced from several days to hours • Improved data consistency and reduced manual handling • Faster outcomes for customers and partners
As Propensio continues to scale, the business is focused on consolidating their foundations across process and technology. While ADP is currently central to credit decisioning, there is scope to extend its use into other areas, including collections strategy. Propensio is focused on maintaining control and performance as its customer base grows, working closely with LendingMetrics as a long-term partner for change.
The Future: Expanding Capability Beyond Credit Decisioning
Matt Wood | Chief Information and Risk Officer | Propensio Finance
“
LendingMetrics is a really positive partner for change. The solutions they provide are excellent in terms of technology and usability, and they also have a great staff and support network
”
lendingmetrics.com | info@lendingmetrics.com | 02394 211010
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