About CreditFlow
CreditFlow is a credit analysis and management software from SIACorp that supports credit automation and risk management for both corporate and individual clients. It combines features such as generative AI analysis with CreditChat, OCR and balance reclassification through CreditVision, and credit automation using CreditAgent, so users can make informed credit decisions. Designed to assist in credit policies and methodologies, it also provides models for risk mitigation and management of credit portfolios. The software is available in Portuguese and offers a comprehensive approach to credit management. Key capabilities: Credit analysis Workflow management Credit scoring Risk assessment Portfolio management Best for: financial institutions that need efficient credit analysis and risk management solutions.
CreditFlow by SIACorp is a comprehensive credit automation and risk management solution designed to streamline the entire lifecycle of credit analysis and approval. The user interface of CreditFlow is structured to balance complexity with accessibility. It offers a clear workflow-based navigation system where policies, approvals, and risk parameters are logically organized. Users benefit from mobile compatibility, allowing approvals and reviews directly from smartphones or tablets, which adds flexibility and convenience. The design emphasizes transparency, with dashboards that provide immediate visibility into pending tasks, client ratings, and portfolio exposures, making it intuitive for both credit analysts and commercial teams. Functionally, CreditFlow stands out by automating the full cycle of credit risk management. It enables organizations to parameterize policies, workflows, and rating methodologies, ensuring consistency across teams. Distinctive features include automated balance sheet analysis, covenant control, and stress testing of credit portfolios. The system also integrates advanced risk metrics such as Probability of Default (PD), Exposure at Default (EAD), and Loss Given Default (LGD), offering a granular view of portfolio health.
Pros & Cons
- +AI-driven credit scoring integrates ERP and sectoral risk factors.
- +Automated document processing with OCR speeds up onboarding.
- +Dynamic approval workflows adapt to exposure limits and delegation levels.
- +Real-time alerts flag behavioral risk signals instantly.
- +Stress testing tools simulate portfolio resilience under adverse scenarios.
- −Limited integrations with external systems frustrate some users.
- −Customer service response times vary across regions.
- −Initial configuration of workflows can be time-consuming.
Features
Key features
- Workflow and approvals
- Parametrize credit workflows, approval hierarchies, and committee processes to automate proposals and decisions
- Credit rating and analysis
- Configure rating methodologies and balance sheet analysis for consistent, model-driven scoring
- Risk quantification
- Calculate PD, EAD, LGD, expected and unexpected loss, credit VaR, and RWA for portfolio risk management
- Collateral and guarantees
- Control guarantees, collateral, securitization, and netting to mitigate exposure
- Stress testing
- Run portfolio stress tests and compare expected vs. effective loss to adjust policies and limits
- Mobile access
- Use Android/iOS to approve limits and manage proposals for commercial and credit teams
Additional features
- Policy parametrization
- Define credit policies, workflows, approval limits, covenants, and document management in one platform
- Governance and compliance
- Standardize methodologies across business lines or entities to improve governance and remove subjective criteria
- Portfolio strategies
- Set strategies per product/sector/risk class and monitor concentration, limits, and cross‑group risk
- Web API integration
- Integrate workflow, rating, limit suggestion, credit bureau access, and portfolio analytics via web services
- ERP/core banking/bureau integrations
- Native real‑time integrations with ERP, core banking, credit bureaus, and Bacen SCR
- Electronic dossier
- Store client documentation and historical approvals digitally for immediate access and auditability
Pricing
Countries & Languages
Interface languages
Billing currencies
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About CreditFlow
CreditFlow is a credit analysis and management software from SIACorp that supports credit automation and risk management for both corporate and individual clients. It combines features such as generative AI analysis with CreditChat, OCR and balance reclassification through CreditVision, and credit automation using CreditAgent, so users can make informed credit decisions. Designed to assist in credit policies and methodologies, it also provides models for risk mitigation and management of credit portfolios. The software is available in Portuguese and offers a comprehensive approach to credit management. Key capabilities: Credit analysis Workflow management Credit scoring Risk assessment Portfolio management Best for: financial institutions that need efficient credit analysis and risk management solutions.
CreditFlow Details
CreditFlow's In-App Market Place
Does CreditFlow have an in-app market place?
Yes
How many Mini-Apps in the marketplace?
1
Mini Apps
NA
Pricing Options
Accepted Payment Currencies
USD ($), EUR (€), BRL (R$)
Pros & Cons
- AI-driven credit scoring integrates ERP and sectoral risk factors.
- Automated document processing with OCR speeds up onboarding.
- Dynamic approval workflows adapt to exposure limits and delegation levels.
- Real-time alerts flag behavioral risk signals instantly.
- Stress testing tools simulate portfolio resilience under adverse scenarios.
- Limited integrations with external systems frustrate some users.
- Customer service response times vary across regions.
- Initial configuration of workflows can be time-consuming.
CreditFlow's Support Options
Email Address
suporte@siacorp.com.brContact
11 2385 8808CreditFlow's Alternatives
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