AI-Powered Credit Optimization

Automate approvals with speed and precision, all while staying fully aligned with your credit policy.

Intelligence Meets Velocity. From the initial application to regular customer maintenance, AI streamlines the O2C process — helping your team assess creditworthiness with greater confidence.

• Tailored Risk Approach
• AI-driven credit applications dynamically adapt to your unique risk profiles. Machine learning identifies patterns in real-time and captures the most predictive data points, improving decision precision with every submission.
• A Window Into Review
• Intelligent LLMs pre-screen submissions for anomalies and flag outliers before human review. Intelligent triage systems prioritize high-risk cases and provide summaries to reduce manual effort and speed up review cycles.
• Document Collection and Reporting
• Seamlessly integrated into the platform, documentation and credit bureau reporting eliminates the need to navigate multiple external sources or third-party contacts. 
• Layered Automation
• Mirror your existing approach hierarchy with multi-layer approval. You can fully automate the entire process with Instant Decision Manager. 

Positive Feedback Loops With end-to-end AI automation, credit teams can create intelligent, self-evolving decision models for trusted customer segments — like repeat buyers, cash customers, or low-risk profiles. These models continuously learn from outcomes, eliminating unnecessary approvals and accelerating credit decisions with each cycle. The more decisions Bectran makes, the smarter and faster it gets.

Customizable Models Establish your own criteria by utilizing real-time data, pulled from bureau and fraud detection reports. Bectran’s AI-powered models analyze each data point to generate a single, comprehensive risk score, empowering credit managers with a thorough scope of customer risk, all from one glance.

Decisions That Follow Your Lead Configurable to your organizational hierarchy, automated approval sequencing ensures that requests are always routed to the appropriate decision-makers. Not only does this eliminate the need for lengthy email chains, it maintains accountability, building trust in your credit process.

Features

• Tailored Risk Scoring: AI models adapt to your credit policy and customer segments, improving accuracy with each decision.
• Layered Approval Automation: Mirror your organizational hierarchy with multi-tiered, policy-driven workflows.
• Intelligent Pre-Screening: LLMs flag anomalies and prioritize high-risk cases before manual review.
• Integrated Document Management: Seamlessly collect and validate credit documents and bureau reports in-platform.
• Self-Evolving Models: Feedback loops refine scoring and decision logic based on outcomes and customer behavior.