Motor de Crédito y Cartera

Consolidates your loan portfolio in real time from your core banking system, runs configurable credit-scoring rules, and unblocks or blocks a client's credit line automatically the moment a payment clears.

THE CONTEXT

Credit decisions run on data that's already stale

Portfolio data gets consolidated by hand twice a week, so credit decisions are made on information up to three days old. Blocking and unblocking a client’s credit line takes 4 to 24 hours of manual work in the core banking system. Fewer than 30% of credit decisions carry a documented rule — a real exposure for regulated fintechs.

THE SOLUTION

Portfolio visibility and credit actions, running in real time

Silia reads receivables, payment history and aging straight from the core banking system, scores every client against rules your credit team configures with no code, and executes the block or unblock directly in the core the moment a rule is met — notifying the account owner with the client’s available capacity. Exceptions above a threshold route to a human for approval, with full context attached.

KEY CAPABILITIES

Four capabilities that keep your portfolio current

Real-time portfolio consolidation

Reads receivables, payment history and aging from the core banking system, CRM and ERP via N8N — on a schedule or by webhook, no more twice-a-week manual pulls.

No-code scoring rules

Your credit team sets thresholds for aging, amount, default frequency and client tier directly from the dashboard — no ML, no engineering ticket.

Automatic block and unblock

Executes the credit-line change directly in your core banking system the instant a rule is met, and notifies the account owner with the client's available capacity.

Auditable exception approvals

Routes tier-A clients, above-threshold amounts or out-of-policy cases to a human approver with full context attached — every decision traceable to the rule that triggered it.

Before / After