Outdated credit management systems slow decisions, raise costs and limit growth in a market demanding speed and flexibility. CGI Credit Studio, our end-to-end credit management platform, meets you where you are, seamlessly integrating with your existing systems so you can modernize with confidence. It delivers faster responses, smarter decisioning and a scalable infrastructure to help you take back control.
Faster time-to-value
Achieve results in just 2–4 months with 500+ pre-built workflows and a proven phased implementation approach.
Seamless integration
Plug into your existing ecosystem with open APIs, no heavy lifting or disruptive migrations.
Business-led innovation
Launch new capabilities in days, not months, without dependency on custom development.
Smarter decisioning
Leverage AI, machine learning and real-time data to make more accurate, timely credit decisions.
Superior customer experience
Deliver hyper-personalized journeys across channels using real-time insights.
Lower operational costs
Cut costs by up to 70% using automation, self-service tools and virtual agents that reduce manual work.
Faster, smarter and more secure loan decisions with CGI Credit Studio for originations.
Real-time portfolio management and digital customer engagement with CGI Credit Studio for servicing, coming soon.
Proactive default management and personalized recovery strategies powered by CGI Credit Studio for collections.
Unlike many other providers, our clients don’t just get a credit management platform, they gain a strategic partner committed to long-term success. We combine innovative, cloud-native technology with a collaborative approach to help you navigate complex credit transformation with confidence.
Credit management software is a comprehensive toolset that helps lenders and financial institutions manage the full credit life cycle, from assessing borrower risk to servicing accounts, managing collections and recovering debt. Unlike loan origination systems that focus on front-end approvals, a full credit management platform like CGI Credit Studio provides end-to-end visibility, automation and compliance-ready workflows.
CGI Credit Studio is a cloud-native, event-driven credit management software suite that combines advanced analytics, real-time decisioning and modular design to support originations, servicing, collections and recovery. It features an embedded decision engine powered by Machine Learning (ML), virtual agents, self-service tools and Business Intelligence (BI) reporting—all designed to scale, integrate and deliver 24/7 service.
CGI Credit Studio supports the full credit life cycle, including:
CGI Credit Studio stands out as a cloud-native, microservices-enabled and event-driven credit management system with real-time responsiveness and open integration. What sets it further apart is its ability to break down decision points across the credit life cycle, enabling smarter, faster actions driven by real-time insights. With a data mesh approach, it decentralizes data ownership, allowing domain teams to manage, share and consume data more effectively across origination, servicing and collections.
Yes. CGI Credit Studio’s modular, event-driven architecture allows organizations to quickly adapt to regulatory changes, ensuring compliance across the entire credit life cycle—from origination to collections. Our credit management platform complies with ISO27001 and is configurable to meet client-specific regulatory requirements such as CFPB, GDPR and PCI DSS. It also holds an Arum system certification for its collections module, with certification underway for its decision engine and originations module.
CGI Credit Studio manages operational risk through its secure, cloud-native infrastructure designed for resilience and control. The platform ensures high availability with 24/7 uptime and safeguards access through strict role-based controls. Data is protected with encryption and secure APIs, while real-time monitoring and automated alerts help identify and address issues proactively. Built-in audit trails and continuous vulnerability testing further strengthen security and compliance. Together, these capabilities provide strong risk mitigation, support business continuity and ensure audit readiness.
CGI supports implementation and migration through a phased, low-risk strategy tailored to each client’s needs. We begin with a comprehensive system and process assessment, followed by a governed implementation phase that aligns technology, stakeholders and business priorities. This structured approach guides configuration and integration planning. CGI conducts secure data migration and rigorous validation to ensure accuracy. End-user training and post-deployment support ensure a smooth transition, minimizing disruption and accelerating time to value.
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| Retail banks | Credit unions | Auto finance companies |
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| Telecommunications providers |
Utilities providers |
Retailers |
See how our credit management solution CGI Credit Studio can meet you where you are to support your digital strategy, helping you become more flexible and customer-focused.
