Scoring and decisioning engine
Sentinel
Policy rules plus model scores, combined into one explainable credit decision for every application that enters the rail.
What it does
Policy first, model second
Hard rules from your credit policy run before any model: sector exclusions, exposure caps, document completeness. Failures return instantly with the failing rule named.
Scores you can defend
Each score ships with its drivers ranked: which signals moved it, in which direction, by how much. The decision log keeps every version.
Challenger in shadow
Run a new scorecard against live volume in shadow mode before it makes a single real decision.
Probability of default 3.1% · suggested limit PKR 4.2M
Illustrative product view.
In and out
Where it sits in the stack
Sentinel sits between signal extraction and routing. It consumes DocuMind output and bureau data, and hands a scored, reasoned decision to orchestration. It also runs standalone behind your existing loan origination system.
Sentinel logs every rule evaluation and score input to an immutable decision trail, retained for the regulator’s review window. Models never train on another institution’s data.
Full security and compliance posture