Decision Configuration (Workflows)
Automated Decision Management in timveroOS
timveroOS provides visual configuration tools for implementing lending decision logic through workflows, data integration, and business rule management. The platform enables financial institutions to configure automated decision processes while maintaining manual review capabilities for complex cases.
Decision Configuration Components
The system organizes decision automation around several integrated modules:
Workflow Tool: Plugin module for visual Workflows (Decision flows) design
Data Sources: External information repositories integration
Mappings: JavaScript/Python scripts for data extraction and transformation into Features
Manual Underwriting: Human decision integration for Yellow zone cases
Profiles: Participant/asset attribute sets for offer generation
Section Contents
Configure visual Workflows (Decision flows) that implement Assessment logic through Workflow Tool plugin module, enabling automated participant/asset scoring based on defined criteria with Green/Yellow/Red zone outcomes.
Implement review workflows for cases requiring human evaluation, including routing rules and decision capture interfaces.
Integrate external information repositories including credit bureaus, banking systems, and alternative data sources to support Assessment processes through configured connections.
Configure JavaScript/Python scripts that extract and transform Data Source responses into named Features for use in Workflows (Decision flows).
System Capabilities
Workflow Configuration Features
timveroOS enables configuration of decision logic through:
Visual Design Interface: Flowchart-based Workflow (Decision flow) creation using Workflow Tool
Decision Node Types: Various logic implementation options
Data Integration Points: Connection to information sources
Profile Integration: Participant/asset attribute population for offer generation
Outcome Configuration: Result routing and actions
Data Integration Capabilities
The platform supports comprehensive data integration:
Multiple Source Types: Credit bureaus, banking systems, third-party providers
Mapping Configuration: JavaScript/Python scripts for Feature extraction
Feature Generation: Named values resulting from Mapping function processing
Error Handling: Failed connection management
Error Handling: Failed Data Source connection management
Review Process Management
Manual review features include:
Decision Department Routing: Criteria-based case assignment to configured departments
FormBuilder Interfaces: Structured review forms for specialist completion
Warning Fact Processing: Manual approval of flagged Assessment results
Profile Completion: Manual input when automated data unavailable
Configuration Approach
Workflow Design Process
Step O: Connect with Workflow within the specific Status
Step 1: Process Mapping
Document decision requirements
Identify data needs
Define decision criteria
Specify outcomes
Step 2: Workflow Creation
Design visual flow
Configure decision nodes
Set up data connections
Define routing logic
Step 3: Testing Protocol
Create test scenarios
Validate logic paths
Verify calculations
Check integrations
Step 4: Deployment
Production configuration
Monitoring setup
Performance tracking
Optimization planning
Data Configuration Steps
Source Integration:
Identify required external/internal information repositories
Configure Data Source connections at Framework level
Test data retrieval and response validation
Monitor connection health and performance
Mapping Setup:
Create JavaScript/Python scripts for data extraction
Validate Feature quality and handle edge cases
Test Mapping execution within Workflows
Implementation Patterns
Automated Decision Pattern
Configuration Elements:
Automated data retrieval
Rule-based evaluation
Straight-through processing
Exception handling
Use Cases:
Standard consumer loans
Pre-qualification decisions
Limit increases
Renewal processing
Hybrid Decision Pattern
Configuration Components:
Initial automated Assessment through Workflows
Yellow zone triggers for Manual Underwriting
Warning Fact generation with department routing
FormBuilder forms for specialist decision capture
Applications:
Complex credit product evaluations
High-value transaction assessments
Exception case Manual Underwriting
Compliance-required manual reviews
Multi-Stage Pattern
Design Features:
Sequential Workflow execution at different Business Process stages
Progressive Data Source integration and Feature accumulation
Stage-based Profile attribute population
Conditional Assessment progression based on prior results
Implementations:
Tiered approval processes
Risk-based workflows
Graduated assessments
Phased evaluations
Integration Architecture
System Connections
Decision configuration integrates with:
Business Processes: Workflow triggering
Data Sources: Information retrieval
Notification Services: Communication triggers
Analytics Platform: Performance monitoring
Offer Engine: Profile-based offer calculation using populated attributes
Data Flow Management
Information movement includes:
Input Collection: Application data gathering
External Retrieval: Third-party information
Processing Logic: Calculation execution
Result Distribution: Decision communication
Profile Formation: Save to Profile node execution for attribute population
Storage: Audit trail maintenance
Monitoring and Optimization
Performance Metrics
Track decision system health through:
Processing Times: Decision duration monitoring
Automation Rates: Straight-through percentages
Approval Metrics: Outcome distribution
Error Tracking: Failed process identification
Quality Indicators: Decision consistency
Optimization Tools
Improve performance using:
A/B Testing: Strategy comparison
Threshold Tuning: Parameter adjustment
Flow Analysis: Bottleneck identification
Rule Refinement: Logic optimization
Integration Monitoring: Connection health
Configuration Best Practices
Design Principles
Start with simple workflows
Test thoroughly before deployment
Document all logic
Monitor performance continuously
Iterate based on results
Implementation Guidelines
Map processes completely
Validate data quality
Handle exceptions gracefully
Maintain audit trails
Plan for optimization
Key Considerations
Compliance Requirements
Document all decision logic
Maintain complete audit trails
Ensure consistent application
Support regulatory reviews
Enable policy updates
Operational Excellence
Balance automation with control
Provide override capabilities
Monitor system health
Track decision quality
Optimize continuously
timveroOS: Configurable decision automation for lending operations
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