Policy Workspace
Configure, experiment, compare and explain your lending policies.
Demo Bank
Conservative bank demo tenant
Policy Version
v5.1
Last Published
2 days ago
Published By
Product Team
Published Policies
34
Current Focus
Personal Loan Prime
Current Policy Version
v5.1
Recent Improvement
Approval rate +3.2% after last release
Business Health
Approval Rate
50%
Auto-approved applications
Straight Through Processing
74%
No manual review required
Average Decision Time
8.4 min
Median across products
Manual Reviews
5
Currently awaiting review
Suggested Product Opportunities
AI-assisted recommendations based on your live policy performance.
Lower Personal Loan credit score threshold by 20 points.
Expected Impact
+8% Approval
Estimated Risk
+2.4% NPA
Business Loans have the highest manual review rate.
Review FOIR policy to reduce underwriter load.
Manual Review Rate
42%
Target
< 25%
Education Loan approvals declined this month.
Review changes introduced in Version 4.8.
Approval Change
-6.1%
Since
v4.8
Recent Policy Activity
Timeline of published policy changes and their measured impact.
Version v4.9
Published
Credit Score
Expected Approval Increase
+8%
Version v4.8
Published
FOIR
Expected Manual Reviews
-12%
Version v4.7
Published
Income Threshold
Estimated Loan Volume
+9%
Product Insight
Business Loans currently contribute 42% of all manual reviews. Reviewing underwriting rules could materially reduce reviewer load.
Recent Decision Simulations
Latest decisions run through the active policy. Click a row to open Decision Studio.
| Applicant | Loan Product | Decision | Policy Version | Decision Summary | Date |
|---|---|---|---|---|---|
| Rohan Mehta | Personal Loan Prime | Approve | v5.1 | Auto-approved ₹5,00,000 · policy match | 2026-07-05 14:22 |
| Priya Nair | Home Loan Plus | Manual Review | v5.1 | Flagged ₹35,00,000 for underwriter review | 2026-07-05 12:08 |
| Arjun Shah | Business Loan Growth | Reject | v5.1 | Declined ₹12,00,000 · policy threshold | 2026-07-05 10:47 |
| Sneha Kulkarni | Two Wheeler EasyPay | Approve | v5.1 | Auto-approved ₹90,000 · policy match | 2026-07-04 18:33 |