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Credit Scoring Engine
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Credit Scoring Engine · Available now

Keep each credit decision tied to its case.

Credit Scoring Engine organizes credit application cases from applicant setup through reviewer decision, provider confirmation and reconciliation. App Administrator maintains the applicant record.

Start now Download Proto
  • No per-user fees
  • Manual work is free
  • Configure it in Proto
OverviewConfirmed applications
Credit Scoring Engine · Applications

Confirmed applications

Applications in one list

New application
Applications in view
6
Confirmed
6
Record numberApplicantProvider instruction IDConfirmed atValue dateStatus
APP-76948Linh PhamINST-2026-081429 Oct05 NovConfirmed
APP-59234Sofia DuarteINST-2026-081516 Oct20 OctConfirmed
APP-96697Rafael CostaINST-2026-081616 Oct24 OctConfirmed
APP-68057Owen PriceINST-2026-081722 Oct29 OctConfirmed
APP-47197Rafael CostaINST-2026-081801 Nov03 NovConfirmed
6 of 6 records
INST-2026-0814Applications · APP-76948
Confirmed
ApplicantLinh Pham
Confirmed at29 Oct
Value date05 Nov
DecisionAPP-76948 · INST-2026-0814

Credit Reviewer decides against the submitted revision.

Waiting for Credit Reviewer
ApproveReturn
Example screen with sample data
Tables, ready to use
15
Saved views
14
Roles with set permissions
5
Reports and dashboards
8
Features

See each case in context

Every feature works on the same records. Pick one to see the screen your team works in.

Applicants and organizations

Keep applicant identity, eligibility notes and organization scope together.

  • Organization
  • Applicant
  • People
  • Applicants
  • Parties
  • People
  • Users
  • Applications
Explore applicants and organizations
OverviewActive applicants
Credit Scoring Engine · Applicants and organizations

Active applicants

Applicants

New
NameCodeContact nameOrganizationEligibility noteActive
Nabila RahmanAPP-2026-0801Nabila RahmanPineway Financial ServicesIdentity verification completeYes
Owen PriceAPP-2026-0802Owen PriceBlue Cedar Credit UnionIncome documents receivedYes
Chioma EzeAPP-2026-0803Chioma EzePineway Financial ServicesConsent to bureau check recordedYes
Rafael CostaAPP-2026-0804Rafael CostaClearwater Loan PartnersBank account ownership verifiedYes
Meera IyerAPP-2026-0805Meera IyerBlue Cedar Credit UnionApplication review pendingYes
6 of 6 records
Nabila RahmanApplicants · APP-53023
Yes
CodeAPP-2026-0801
Contact nameNabila Rahman
OrganizationPineway Financial Services
Eligibility noteIdentity verification complete
Example screen with sample data
Process

Follow a case to confirmation

Application to reconciled case ships ready to use. One step needs a named approval before the work moves on: Decision (Credit Reviewer).

Drag a card to another stage, or focus it and use the arrow keys. It updates to match the stage.

  1. Applicant setup

    Keep applicant and organization details together.

    INST-2026-0814APP-76948 · App Administrator
    Applicant setupBy App Administrator

  2. Application draft

    Capture the purpose, amount and assigned person.

    INST-2026-0814APP-76948 · Operations Manager
    Application draftBy Operations Manager

  3. Review

    Check the current revision and supporting material.

    INST-2026-0814APP-76948 · Operations Manager
    ReviewBy Operations Manager

  4. Decision

    Credit Reviewer records the outcome and reasons.

    INST-2026-0814APP-76948 · Credit Reviewer
    DecisionBy Credit Reviewer
    ApprovalCredit Reviewer decides against the submitted revision.

  5. Provider confirmation

    Compare provider evidence with the case.

    INST-2026-0814APP-76948 · Operations Manager
    Provider confirmationBy Operations Manager

  6. Reconciliation

    Match movements and investigate exceptions.

    INST-2026-0814APP-76948 · Credit Reviewer
    ReconciliationBy Credit Reviewer

Start with Application review

Inside a record

Connect provider evidence

Open any application to see its assessment evidence, the roles that work on it, its process stages and its approvals on one page.

  1. 1
    Record details

    Applicant, Confirmed at and Value date.

  2. 2
    Assessment evidence

    Each line is linked to this application.

  3. 3
    Who works on it

    Operations Manager and Admin, each with their own permissions.

  4. 4
    Process stages

    Application draft and Provider instruction, with the role that acts.

  5. 5
    Approvals

    Decision, with who decides.

Confirmed applicationsINST-2026-0814
Credit Scoring Engine · Applications

INST-2026-0814

Linh Pham · Confirmed

Log activity
1
Record details
ApplicantLinh Pham
Confirmed at29 Oct
Value date05 Nov
2
Assessment evidence

INST-2026-0814

ApplicationEvidence typeProvider event ID
Nabila Rahman home improvement loanStatementEVT-2026-6741
Nabila Rahman home improvement loanConfirmationEVT-2026-6742
Chioma Eze business equipment loanSettlementEVT-2026-6743
Assessment evidence
6
3

Who works on it

  • Operations ManagerManage Applications, Obligations, record attachments
  • AdminManage Users, People, Parties
4

Process stages

  • Application draftOperations Manager
  • Provider instructionOperations Manager
5

Approvals

  • DecisionCredit Reviewer
    Approved
Example screen with sample data
Approvals

Keep decisions independent

Operations Manager maintains assigned application work and supporting material within the organization.

OverviewApprovals
Credit Scoring Engine · Overview

Approvals

Signed in as Credit Reviewer

Waiting for you

4 To review1 Overdue2 Decided todayOnly mine
0 selectedApproveReturn
  • RPY-64128PAY-2026-1041
    Rafael Costa debt consolidationRequested by Operations Manager
    Needs review0dActions
  • RPY-21406PAY-2026-1042
    Sofia Duarte working capital loanRequested by Operations Manager
    Needs review3dActions
  • RPY-61216PAY-2026-1043
    Owen Price vehicle refinanceRequested by Operations Manager
    Needs review5dActions
  • RPY-13517PAY-2026-1044
    Meera Iyer education loanRequested by Operations Manager
    Needs review3dActions

Who approves what

DecisionApprover
DecisionCredit Reviewer records the outcome and reasons.Credit Reviewer
1 approval rule · set per role in Proto
Example screen with sample data
Who can approve what
Roles

A workspace for each role

Everyone opens Credit Scoring Engine to the work that is theirs. Pick a role to see what it starts with.

Operations Manager

Prepare assigned operational records and execute eligible reviewed actions. Own organization and draft scope only; accepted, posted and provider evidence is read-only; guarded workflows authorize every transition.

This is the first screen this role sees.

OverviewApplications in review

Applications in review

Applications · Operations Manager

Review3
Replace home windowsOwen Price
710
Buy bakery equipmentRafael Costa
800
Pay graduate tuitionIsaac Bell
290
Add
Submitted3
Refinance used vehicleNabila Rahman
910
Consolidate credit balancesLinh Pham
950
Install rooftop solarChioma Eze
130
Add
Example screen with sample data

Roles and permissions

Reports

Find the work needing attention

Review application status, decisions, obligations and provider exceptions.

Overview
Credit Scoring Engine · Overview

Credit Scoring Engine dashboard

This quarter

Obligations in view
6
Total initial deposit USD
4,360
Draft
2
Submitted
2

Applications by status

How far records got this quarter

StageReachedStep
Draft45
Review2044%
Authorized735%
Submitted229%

Number of applications by status

Sample counts per stage

0
-40Draft
-60Review
-20Authorized
-50Submitted
-20Pending
Example screen with sample data
  1. 01Application pipeline

    Group Applications by Status and sum requested amount by Organization.

  2. 02Reviewer outcomes

    Count credit decisions by Decision and Reviewer for a chosen decided at period.

  3. 03Revision decisions

    Show each application with linked credit decisions rows, including source revision, Decision and reason codes.

  4. 04Open obligations

    Group Obligations by Status and Organization and total initial deposit USD.

  5. 05Repayment exceptions

    List Repayments in needs review with failure reason and expected revision.

  6. 06Provider movement exceptions

    Show reconciliation items by State, Account and amount USD.

  7. 07Evidence trail

    List assessment evidence by Application, evidence type, received at and Verified.

  8. 08Account balance snapshots

    Show score results by Model and scored at with ledger USD and available USD.

All reports and dashboards

Who it's for

Fit your credit operations

See how Credit Scoring Engine fits your kind of team.

Lending operations

Keep application requests, reviewer decisions and provider follow-up in one case trail.

Embedded finance teams

Coordinate applicant cases and provider events across an operating organization.

Credit operations service teams

Separate case preparation, reviewer decisions and reconciliation follow-up.

Controls

Trace the decision and effect

Each stage of application to reconciled case names the role that acts and the status it records, so a change is never anonymous.

OverviewApplication to reconciled case
Credit Scoring Engine · Process

Application to reconciled case

Each stage, the role that acts and the status it records

Process stages
10
Approval steps
1
Roles involved
4
Tables touched
6
Review
Operations Manager
StatusDraft → Review → Submitted
DecisionApproval
Credit Reviewer
StatusSubmitted → Authorized
RecordsCredit decisions
Obligation follow-up
Operations Manager, Credit Reviewer
StatusDraft → Submitted
RecordsObligations
Application to reconciled case
  1. Start
    ReviewDraft → Review → Submitted
    Operations Manager
  2. Approval
    DecisionSubmitted → Authorized
    Credit decisions
  3. Step
    Obligation follow-upDraft → Submitted
    Obligations
  4. Step
    Provider instructionAuthorized → Pending
    Applications
  5. Step
    Provider confirmationPending → Confirmed
    Applications
Example screen with sample data

See each stage in detail

AI agent

Prepare the next review

Ask Proto to prepare case views and check evidence for human review.

It can

  • Operations Manager: Find assigned applications in review and list the attachments and provider events linked to each case.
  • Credit Reviewer: Prepare the submitted revision, requested amount and decision history for independent assessment.
  • Auditor: Trace a confirmed case from applicant and decision to provider evidence and repayment receipt.
  • App Administrator: Check which applicants and people belong to the selected organization.

Stays with a person

  • Proto can prepare a comparison, but the Credit Reviewer makes the decision and Operations Manager verifies provider effects.
  • A summary cannot replace the decision record, provider event reference or access check.
  • Ask for linked records and have the named person confirm the result.

Set up an agent

Integrations

Connects to the tools you use

Set up connections through ERP.AI and Proto workflows, with every change logged.

  • Credit Scoring Engine
  • Provider instructions and events
  • Provider account data
  • Identity
  • Document source
Data model

Your data, in tables you can change

Every record lives in a table you can see, extend and export. Add fields or whole tables in Proto.

Browse all 15 tables
15tables
  • Applicants and organizations5
  • Application intake6
  • Decision review5
  • Obligations and repayments6
  • Provider evidence6
  • Provider accounts and reconciliation6
Implementation

Roll out one team at a time

Start with one team and one process, then add the rest once the basics are running.

  1. Define scope

    Choose the first organization, applicant cases, staff assignments and provider account references.

  2. Set access

    Assign Operations Manager, Credit Reviewer, Auditor and App Administrator responsibilities, then test independent review.

  3. Load context

    Bring in applicant identities, applications, attachments and any relevant provider references while preserving case numbers.

  4. Rehearse decisions

    Run an approval, referral and decline against submitted revisions and inspect the decision history.

  5. Rehearse provider follow-up

    Compare confirmation evidence, repayment receipts and provider movements, including a mismatch.

Read the implementation plan

Pricing

$0per user

The base account and everyday work in the ERP.AI app are free, for every user.

  • No per-user or per-seat fees
  • Viewing, editing, approving and exporting records in the app is free
  • Pay only for machine work: API calls, imports, workflows and AI agents
  • Prepaid credits from $5. Purchased credits never expire

Pricing details

Machine work rate card Included per $1 of credit

Machine work rate card
UsagePer $1
Record reads (list, filter, get)20,000
Search or aggregate queries4,000
Record writes4,000
Imported or synced records200,000
Workflow runs2,000
AI agent runs2,000
Scheduled jobs or webhooks20,000
File uploads (MB)2,000
CSV or PDF exports100
FAQ

Questions, answered

Scope, rollout and pricing for Credit Scoring Engine.

All questions
How do I get started?

Click Get started, then use Proto to configure Credit Scoring Engine for your business. Pilot one organization, a few applicant cases and an independent reviewer before adding provider follow-up.

Who prepares an application?

Operations Manager records the applicant, purpose, requested amount, assigned person and supporting material.

Who makes the credit decision?

Credit Reviewer records approve, decline or refer with reasons against the submitted application revision.

How are corrections handled?

Keep the application revision and earlier decision visible. Submit the corrected case for review against its current revision.

Where do supporting files go?

Record attachments keep files with the application, including their uploader, upload time and visibility.

How is provider confirmation recorded?

The team compares the provider instruction and confirmation or settlement evidence with the application before recording a confirmed state.

Can we track repayment follow-up?

Repayments record the receipt, operation key, provider reference and verification state. Principal allocation records hold direction and amount against an application and provider account. Compare them with the receipt and obligation through the case.

How do we investigate a mismatched provider movement?

Use the reconciliation exception queue to compare event reference, account, amount and matched application. Keep the exception visible until the discrepancy is resolved.

Can an auditor change a decision?

Auditor has read-only access to the scoped case and evidence trail. The reviewer owns the decision.

Set up Credit Scoring Engine your way.

Start free, then use Proto to change fields, steps and approvals before your team goes live.

Start now Download Proto

How to get started

A personal agent for your business

Get started with Proto

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Selected appCredit Scoring Engine

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Free to use. Your own model provider may charge for usage.