Lending Metrics

LendingMetrics is a UK-based fintech company that provides credit risk assessment, automated decisioning, affordability analysis, open banking, fraud prevention, and loan origination technology to lenders, banks, credit unions, fintechs, and consumer finance providers. Founded in 2010 and headquartered in Newport, the company helps financial institutions automate lending decisions while maintaining regulatory compliance and improving risk management.

SERVICES

• Automated Credit Decisioning (ADP): Provides real-time automated lending decisions using configurable rules, scorecards, risk policies, and decision trees.
• Loan Origination Support: Enables lenders to automate borrower onboarding, application processing, underwriting workflows, and approval management.
• Open Banking Solutions: Accesses and analyzes customer banking data to support affordability checks, income verification, expenditure analysis, and risk assessment.
• Affordability Assessment: Evaluates whether applicants can sustainably repay loans using transaction data, income patterns, spending behavior, and financial commitments.
• Credit Risk Assessment: Combines bureau data, open banking information, and lender-defined rules to generate comprehensive credit risk profiles.
• Fraud Detection & Prevention: Identifies suspicious applications, synthetic identities, fraud indicators, and anomalous behavior patterns during onboarding.
• Income Verification: Validates income sources and financial stability using banking transaction data and other integrated data sources.
• Customer Onboarding: Supports identity verification, customer profiling, KYC checks, and application validation processes.
• Credit Reference Data Integration: Provides access to multiple credit reference agencies and alternative data providers through a unified interface.

Countries