• Manual and static pricing models limited personalization and operational efficiency
  
  
• Need for a dynamic engine capable of processing diverse data points for credit decisions
  
  
• Integration complexity with existing home loan application systems

• Ensuring compliance with internal lending rules and market regulations

Cloudseed developed and implemented the CDPE, delivering:

Advanced Pricing & Decision Engine: Built a dynamic engine to calculate home loan offers based on:

• Applicant credit score
  
  
• Income and affordability
  
  
• Map rating (property valuation factors)
  
  
• Applicant age
  
  
• Loan term
  
  
• Additional configurable risk and business rules
  
  

Technologies & frameworks used:

• Java: Core application logic
  
  
• BPMN (Business Process Model and Notation): For visual workflow definitions and execution
  
  
• DRL (Drools Rule Language): To configure flexible, scalable business and pricing rules
  
  
• Docker: For containerization and deployment consistency
  
  
• Eclipse & VS code: For streamlined development and maintenance
  
  

Integration with SAHL systems: Ensured seamless integration with existing home loan application workflows, enabling real-time decisioning and offer generation.

Offer diversification: Enabled generation of multiple tailored offers per applicant to enhance approval rates and align with SAHL’s strategic lending objectives.

• Increased operational efficiency: Automated decisioning reduced manual underwriting workload and turnaround times.
  
  
• Enhanced offer accuracy: Risk-based pricing and configurable rules improved offer precision and approval confidence.
  
  
• Empowered business agility: DRL-based rule engine enabled business teams to update pricing logic without code changes.
  
  

Improved customer satisfaction: Faster, more personalized offers enhanced the applicant experience and conversion rates.

Through the Credit Decision & Pricing Engine (CDPE), Cloudseed enabled SAHL to modernize its lending workflows, delivering real-time, personalized, and risk-informed home loan offers that strengthen market competitiveness, operational agility, and customer trust.