Limit increase: from request to the new account limit
Five actors and six phases. The credit engine decides 71% of requests on its own; the analyst intervenes only when the amount exceeds the maximum limit or the score is in the gray zone.
Customer
via the app
App
digital channel
Credit engine
automated policy
Credit analyst
1 business day deadline
Operations
1 · Request
2 · Receive
3 · Evaluate
4 · Review
5 · Apply
6 · Notify
Enter the requested amount and current income, then confirm
Validate the session, check open requests and send to the engine
received
Calculate the score (12 months) and policy maximum limit
being evaluated
Notify the decline and next request date (90 days)
declined
Review, request proof if needed and decide the amount
under review
Apply the new account limit and record the audit trail
Notify the customer of the approved limit
completed
View the new limit on the account screen
Credit engine decision
Approved automatically
Amount within the maximum limit and score above the threshold. Sent to operations; notification in about 3 minutes.
Sent to the analyst
Amount above the maximum limit or score in the gray zone. Approves, approves a lower amount or declines; notification in about 9 hours.
Declined
Score below the threshold. The customer receives the reason and can request again in 90 days.
Who receives the result
Customer
The new limit, or the reason for declining and the next request date.
Credit analyst
Each case outcome feeds back into policy calibration.
Customer support
The request history to answer questions.
42,000 requests per month; the engine decides 71% without an analyst, notifying in 3 minutes versus 9 hours with analyst involvement.
Requesting proof of income through the app is part of the review and is not shown as a separate step.