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Transforming Credit Operation Through Automation

Credit Operations Automation (SmartSuite) is an advanced platform designed to automate the end-to-end credit lifecycle. It enables organizations to transform traditional credit processes into fully integrated, data-driven workflows.

By combining real-time credit data with customizable decision rules, the platform enhances speed, accuracy, and consistency in credit decision-making"

What Is Credit Operations Automation (SmartSuite)?

SmartSuite is a centralized platform that integrates directly with an systems to automate credit evaluation, risk assessment, and decision execution. It retrieves credit data from SIMAH, applies predefined policies and scoring models, and delivers automated decisions instantly—reducing manual intervention and operational delays.

Key Features
  • End-to-End Credit Automation Automate the full credit lifecycle from application to decision
  • Real-Time Decision Engine Apply rules, policies, and scoring models instantly
  • System Integration Seamless integration with internal systems via APIs
  • Customizable Workflows Tailor decision criteria and approval processes
  • Data-Driven Insights Leverage SIMAH’s credit data for accurate risk evaluation
 
 

What Makes Up The Suite

SMART Score 

SMART Score

Monitor changes in creditworthiness and receive early indications of payment delays or rising risk levels.


SMART Segment 

SMART Segment

Identify and group customers based on credit behavior to support targeted strategies and risk-based decisioning.


SMART Alert 

SMART Alert

Automate ongoing risk monitoring and receive notifications when predefined risk thresholds or events are triggered.


SMART Review 

SMART Review

Prioritize accounts requiring attention by identifying newly delinquent or deteriorating credit profiles.


SMART Validate 

SMART Validate

Engage more effectively with customers by validating financial behavior changes before taking action.




Empowering Performance and Decision-Making
  • Operational Efficiency Reduce manual processes and processing time
  • Faster Decision-Making Instant credit approvals and responses
  • Risk Optimization More accurate and consistent risk assessment
  • Cost Reduction Lower operational and processing costs
  • Scalability & Agility Adapt quickly to market changes and business growth

Your Partner in Intelligent Transformation

SIMAH’s SmartSuite stands out as a comprehensive credit decisioning platform that combines trusted data, advanced automation, and regulatory alignment. It empowers Credit providers to move beyond traditional credit processes toward intelligent, scalable, and fully automated decision-making—ensuring speed, accuracy, and compliance at every step..

 
 
SMART Suits

Enhance your Credit Risk Management with SMART Suite

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Saudi Credit Information Company, SIMAH, a Closed Joint Stock Company, Capital 400,000,000 Paid in Full- C.R 1010171047- Membership No.115731- , Toll Free No. 8003010046 , Fax No. 966112188797+ P.O Box 8859 Riyadh 11492- National Address: Riyadh, Al Sahafah, Building No. 3196, Additional No. 6243, Zip Code 13321. Under the Supervision and Regulation of SAMA with a License No. 2 / 37. www.simah.com