case study
Finance
Nrisk: Building a multitenant credit risk platform from zero
We partnered with Nrisk to map, design and build a B2B SaaS platform that lets organisations onboard debtor companies, run credit applications through configurable workflows and make data driven limit decisions at scale.
Dale Wesdorp
July 6, 2026
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The problem
behind the brief
Nrisk set out to displace the fragmented, siloed and expensive legacy systems that risk teams still depend on today. The ambition reached further than credit alone: a single platform that could grow across the wider business partner lifecycle, from onboarding through ongoing monitoring, and stay open as data sources and AI models evolve rather than locking organisations into a single provider. They also needed to host multiple client organisations on shared infrastructure while letting each one shape the platform to its own policies and ways of working. With no existing product to build on, the foundations had to be defined from zero before design and development could begin.
How we built the right thing, and built it right
Strategy
We started with a Discovery sprint to translate Nrisk's vision into a concrete product. Through collaborative sessions with the client we mapped the platform's key features, product structure, data model, information architecture, workflows, page level content and UI requirements. The outcome was an over-encompassing diagram that gave the client, PM, development lead and design lead a single source of truth for what had to be built. That alignment up front is what allowed everything that followed to move at speed.
Design
During the Design sprint we turned the blueprint into concrete user flows and interfaces across two surfaces. The Admin Portal was designed for system and organisation admins to onboard tenants, build credit rules in a visual no code rule builder, configure approval matrices, set up signal rules and tailor fields, scorecards and copy per organisation. Credit Application IQ was designed for the daily work of credit teams: company search and onboarding, a dynamic credit application form that adapts to the application type, a unified queue of cases and tasks, and a per case Credit Assessment Workbook covering financials, ownership, signals, documents and approvals. Each role sees only the parts of the platform relevant to them.
Development
We built Nrisk as a multitenant SaaS platform where every organisation gets an isolated tenant with its own users, rules, approval matrix, custom fields, languages and data provider credentials. The architecture was designed to stay open: configurable decision flows, pluggable connections to providers including eMagiz, Modefinance and CreditDevice, and a fully auditable record of every action, so the platform can evolve with new data sources and AI models without locking the client in. Rules based limit calculations run asynchronously before submit to produce a System Recommended Limit and Risk Score, and approvers can act directly from email through magic link authentication. The client stayed close to the team throughout development, joining sprint demos and helping reprioritise scope as the product took shape.
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.
Design Team Member
Results that scale
A multitenant credit platform delivered through a strong product partnership.
Configurability
A platform shaped to each organisation
Every tenant on Nrisk runs on its own configuration of users, rules, approval matrices, custom fields, scorecards, languages and data provider credentials. Organisations can change their credit policy in a visual no code rule builder and test it in a sandbox before rollout, without depending on engineering.
Workflow
From application to decision in one place
Credit Application IQ replaces fragmented tools with a single workspace where analysts, approvers and sales reps process cases end to end. Dynamic forms, automated limit calculations, prioritised tasks and a per case assessment workbook keep the full lifecycle of a credit decision visible and auditable.
Architecture
Built to grow beyond credit
The platform was built as a true multitenant SaaS with foundations ready to extend beyond credit. Each tenant runs in an isolated environment with its own integrations and configuration, and the architecture is built to grow with Nrisk into the wider risk domains they are building toward.
