Credit Engine · The decisioning brain

Three engines.
One credit API.

Bureau ingestion, feature extraction, and ML decisioning unified into a single API call. Built for production-grade credit infrastructure.

Get API accessDeveloper docs

bureau report · any of 7 formats

Bureau Engine

parse + normalize

Feature Engine

825+ features

Decision Engine

score + grade

APPROVED · grade A · <30 ms

One request in, one decision out.

825+

Credit features

<30ms

Decision latency

7

Bureau formats

99.9%

Uptime SLA

Architecture

The three-engine stack.

Each engine is independently scalable, but they ship together as one API. Replace your scattered scoring pipeline with one call.

01 · Ingestion

Bureau Engine

Every major Indian bureau through a single endpoint. Auto-detect format, normalize data, handle parsing. Soft pulls, hard pulls, JSON, XML.

  • CIBIL JSON
  • CRIF v1, v2, and Hardpull
  • Experian JSON & XML
  • Equifax
  • Auto-format detection
  • Key normalization
  • Base64-encoded storage

02 · Extraction

Feature Engine

825+ credit features extracted in milliseconds. Tradelines, payment patterns, delinquency, financial ratios, credit utilization: all pre-built.

  • 825+ pre-built credit features
  • SIMD-accelerated parsing
  • Tradeline analysis
  • Payment history patterns
  • Delinquency tracking
  • Credit utilization ratios
  • Financial indicators

03 · Scoring

Decision Engine

ML-powered scoring with configurable risk grades. Raw data to APPROVED or DECLINED in under 30 ms, with a live merchant dashboard for monitoring.

  • Affordability scoring
  • Risk grades A+ to D
  • Approval decisioning
  • Model auto-versioning
  • Live merchant dashboard
  • Explainability API
  • Fallback guarantees

825+

Credit features, ready to use.

Pre-built credit features covering tradeline analysis, payment history, financial ratios, delinquency patterns, and more. No feature engineering required on your end.

Browse the Bureau API

<30ms

End-to-end decision latency.

Raw bureau data to score, risk grade, and decision. No cold starts. SIMD-accelerated parsing. Designed for production traffic at p99.

See the API reference
Decision · 200
{
  "decision": "APPROVED",
  "score": 761,
  "risk_grade": "A",
  "features_extracted": 825,
  "latency_ms": 28
}

Data privacy

Your data stays with you. Period.

All bureau data is encrypted end-to-end. Even we cannot access your data without your API key, and we don't have one. CIBIL reports, credit scores, tradelines: encrypted and visible only to you. Or deploy on your own infrastructure for full data sovereignty.

End-to-end encryption
Zero access by Neetix
Self-deploy support
No data leaves your network
API key controlled access
Zero risk of data theft

Platform

Production-grade out of the box.

Auth, rate limiting, idempotency, webhooks, audit: everything you'd build yourself for a B2B credit API, already there.

Secure auth

HMAC signing + API keys with rotation.

Rate limiting

Per-merchant rate controls.

Idempotency

Safe request retries.

Webhooks

Real-time event notifications.

Audit trail

Full compliance logging.

Never 5xx

Always returns a response.

Deployment

Cloud or on-prem. You choose.

Managed cloud

Hosted on Neetix infrastructure. Multi-region, 99.9% uptime SLA, fully encrypted. Fastest to go live.

  • Live in 24 hours
  • Auto-scaling
  • Encrypted at rest + in transit
  • Hands-off ops

On-premise / VPC

Deploy on your infrastructure with Docker. PostgreSQL + Redis stack. Data never leaves your network.

  • Full data sovereignty
  • Air-gapped option
  • Docker / Kubernetes
  • Custom SLA + support

Try Credit Engine in your stack.

Pilot in days. Decision in milliseconds. See it work on your real bureau data.

Request API access

Or write to tech@neetix.in