About Us

[stm_icon_box icon=”stm-human_13″ style=”icon_left” icon_size=”16″ icon_color=”base” icon_bg_color=”third_bg” icon_width=”70″ title=”A.I. and Machine Learning Data & Analytics” css=”.vc_custom_1567722467006{margin-bottom: 28px !important;}”]Analytics is what drives our clients’ core businesses. Accurate data aggregation, portfolio reporting and real time access to marketing information is the hallmark a well run portfolio. We help our clients to navigate through complex sets. Our data, reporting and analytical servers are secured and encrypted to ensure the utmost confidentiality.[/stm_icon_box][stm_icon_box icon=”fa fa-university” style=”icon_left” icon_size=”22″ icon_color=”base” icon_bg_color=”third_bg” icon_width=”70″ title=”Credit Policies and Procedures” css=”.vc_custom_1491853420267{margin-bottom: 28px !important;}”]We are operating in an increasing complex compliance environment. From legal entity, business and lending licensing to customer contact and employee performance, every aspect of your lending operations need to be monitored constantly. We have Chief Compliance Officer services on stand by to build policies, monitor transactions and conduct on-site audits.[/stm_icon_box]

[stm_icon_box icon=”stm-diamond” style=”icon_left” icon_size=”20″ icon_color=”base” icon_bg_color=”third_bg” icon_width=”70″ title=”A.I. and Machine Learning-Driven Underwriting & Pricing Strategies ” css=”.vc_custom_1567722497285{margin-bottom: 28px !important;}”]We worked with many prime and subprime personal and small business lenders on their unique pricing, term and line management structures. Every client has unique requirements, cost structure and risk tolerance. We work through complex simulations to give our client clarity into their portfolio performance.[/stm_icon_box][stm_icon_box icon=”stm-idea” style=”icon_left” icon_size=”28″ icon_color=”base” icon_bg_color=”third_bg” icon_width=”70″ title=”Web-Based Loan Originations & Management Platform” css=”.vc_custom_1567722538138{margin-bottom: 28px !important;}”]MaxDecisions Inc. and it’s sister company has a state of the art web based loan originations and management system built specifically for online consumer and small business lenders. Our robust system is used by some of the biggest lenders in the U.S and around the world. The LOS and LMS is highly customizable that’s already connected with bureaus, payment portals and decision engines.[/stm_icon_box]

[stm_icon_box icon=”stm-cart_13″ style=”icon_left” icon_size=”20″ icon_color=”base” icon_bg_color=”third_bg” icon_width=”70″ title=”Algorithm Driven Lead Generation & Direct Mail” css=”.vc_custom_1567722517339{margin-bottom: 28px !important;}”]MaxDecisions, Inc. core competency is to conduct pre-approved, pre-selected FCRA “Fair Credit Reporting Act” regulated credit bureau data and Non-FCRA aggregated credit bureau consumer information. We work with all major credit bureaus to deploy best practice and custom selection models to produce the best responders with lowest Cost Per Funded loan.[/stm_icon_box][stm_icon_box icon=”stm-truck” style=”icon_left” icon_size=”18″ icon_color=”base” icon_bg_color=”third_bg” icon_width=”70″ title=”Automation & Scale”]We believe in a hybrid approach between automated underwriting and some level of human intervention. We help our clients to automate a portion of their lending operations so they can focus on the most important aspect, customer service. We quickly approve or defer applications and move precious human capital downstream to focus on profitable customers that needs attention. This is accomplished with a blend of statistical modeling and lending technologies.[/stm_icon_box]