A multitenant credit risk platform from zero
A B2B SaaS platform that lets organisations onboard debtor companies, run credit applications through configurable workflows and make limit decisions at scale.
Result
A multitenant credit platform built from an empty repository, with per-tenant rules, approval matrices and data-provider connections.
The problem behind the brief
Nrisk set out to replace the fragmented, expensive legacy systems risk teams still depend on. The ambition went beyond credit: one platform that could grow across the business-partner lifecycle, from onboarding to ongoing monitoring, and stay open as data sources and AI models change.
It also had to host many client organisations on shared infrastructure while letting each one shape it to its own policies. With no existing product to build on, the foundations had to be defined from zero.
How we approached the build
One team covered discovery, design, engineering, working from the same decisions from the first assessment to launch.
Discovery
Collaborative sessions mapped the features, product structure, data model, information architecture, workflows and UI requirements into one diagram: a single source of truth for the client, product, design and engineering leads.
Design
The product has two surfaces. An admin portal lets you onboard tenants, build credit rules in a visual no-code rule builder and configure approval matrices. Credit Application IQ covers credit teams' daily work, with company search, dynamic application forms, a unified case queue and a per-case assessment workbook.
Engineering
Every organisation gets an isolated tenant with its own users, rules, fields, languages and provider credentials. The platform connects to eMagiz, Modefinance and CreditDevice through pluggable integrations, and adds asynchronous limit calculations, approvals from email and a full audit trail.
What it delivered
Configurability
A platform shaped to each organisation
Each tenant runs on its own rules, approval matrices, fields, scorecards and languages. Credit policy changes go through a no-code rule builder and a sandbox, without waiting for engineering.
Workflow
From application to decision in one place
Analysts, approvers and sales reps work cases end to end in one workspace, with dynamic forms, automated limit calculations and a full audit trail.
Architecture
Built to grow beyond credit
Each tenant is isolated with its own integrations, and the foundations are ready to extend into the wider risk domains Nrisk is building towards.
“Credit decisions live or die on the data and rules behind them. The platform was designed so each organisation can shape both, without ever touching the code.”
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You share the roles and the stack in a short form or a thirty-minute call. Within five working days you get named senior engineers to review, each with both scorecards.
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