Helios: an Innovative Financial Risk Analysis Tool

Yanick Tourn

As demand for credits rises, so have consumer expectations. Helios offer lenders an advantage over competitors, making the approval process fast and customizable. The competition between credit providers for customers increases every year. Companies offer a wide range of products, such as loans, credit cards, mortgages, rental guarantees, and check cashing.

However, audiences are more selective than ever, due to the amount of information they can access. For instance, consumers can easily compare interest rates, and down payment, right from their phones. In this scenario, a company’s ability to highlight and differentiate themselves becomes key.

The Importance of Risk Analysis

Regardless of the credit product itself, these companies share the same critical processes in their operations. They need to perform a client risk analysis before moving forward with approval and disbursement. Also, they have to assure that a prospective client will be able to return their loan, plus interests.

Financial companies usually have a department that evalues credit requests. This can be a very time-consuming task, requiring manual verifications and approvals. Furthermore, any delay in the process can weaken the prospective client’s trust. After years of working as a developer in the financial market, I noted that these companies were lacking flexibility and speed.


A Code-Free Credit Approval Alternative

This is the scenario for our solution to help. Our real-time credit approval engine allows us to model credit analysis workflows, without extra code. This system lets us unify results from risk score’s providers, and create granular credit offers. This is possible through a microservices backend architecture with a core API service. The API acts as a credit analysis and approval engine.

Helios’ structure has a software pattern, known as strategy, in which each strategy solves a condition needing approval. Think of it like bricks in a wall: you can use them to create complex scenarios with reusable algorithms. They can be combined and arranged in multiple ways by risk analysts. The strategies and conditions are available, and many boil down to equations and variables filled by applying client’s information. These can also be modified in production process, allowing risk managers to open or close credit flow in real time.

Another key aspect of this architecture is that it allows subsequent analyses without overlapping the previous ones. In case a separate analysis needs performance, we can implement a new strategy and conditions. This won’t impact the already working process: we can think of ir like silos of analyses running in parallel.


Flexible and Scalable

The final product is a robust solution that enhances regular score, and provides a faster and flexible credit disbursement. It integrates easily with existing accounting tools (via a REST API), it’s cloud-based and easily scalable. Since companies can customize their evaluation configuration and criteria, introducing new credit products gets more simple. We can test products with existing databases, faster and reducing costs, allowing companies to expand their operations.

By contrast, using hard-code values in analysis modules lacks flexibility, and can take months. Besides, it can suffer a lot of back-and-forth between risk analysts and the IT department, to redefine workflow. Even after the launch, it can still undergo modifications that wouldn’t provide added value to clients.


Our solutions fall in line with our way to improve company and team’s performance, while solving bottlenecks. This doesn’t come with revolutionary changes, rather polishing and improving everyday tasks. This, in the long term, makes the biggest difference.

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