Loan Origination Pipeline
Lead to disbursement across all products - automated scoring with manual review for SME and referrals
In pipeline
248
+31 today
Awaiting manual review
9
SME and referrals
Auto-approved today
64
Instant Cash
Approval rate
71%
+2 pts
Avg decision time
3.4 min
CSE median
Pipeline
Scroll sideways to see all stages - drag-to-move is enabled for reviewersLead42
Aline Uwase
RWF 120,000
Pre-approved
Emmanuel Bizimana
RWF 80,000
MTN CUG
Application51
Eric Mugisha
RWF 450,000
Roster gated
Josiane Uwimana
RWF 3,200,000
Manual
Documents28
Samuel Nsengimana
RWF 5,000,000
OCR pending
Verification19
Divine Ingabire
RWF 350,000
NIDA ok
Grace Umutoni
RWF 600,000
CRB check
Scoring23
Patrick Habimana
RWF 150,000
CSE running
Jean Bosco Niyonzima
RWF 4,500,000
Refer
Approval14
Claudine Mukamana
RWF 2,800,000
Officer
Offer11
Eric Mugisha
RWF 450,000
E-sign sent
Disbursement7
Aline Uwase
RWF 120,000
To wallet
SME manual review
Loan officerJosiane Uwimana
Uwimana General Trading - TIN 114253647
Requested
RWF 3,200,000Product
SME LoanTerm
12 monthsPurpose
Inventory expansionSector
Retail - groceriesDocument checklist
- RDB registration certificate
- 6 months bank statements (OCR parsed)
- RRA tax clearance
- Trading licence - awaiting upload
Bank statement analysis: avg monthly inflow RWF 4.1M, DSCR 1.6x, 2 bounced debits in 6 months.
CSE decision
Credit Scoring EngineJosiane Uwimana
REFER
SME Loan - RWF 3,200,000 requested
Risk band
B - Moderate
Probability of default
7.8%
Recommended limit
RWF 2,400,000
Why - reason codes (explainability)
+Consistent bank inflow, DSCR 1.6x+48
+Clean TransUnion CRB, no arrears+35
+24 months wallet history, active+22
-2 bounced debits in last 6 months-31
-Requested amount above modelled capacity-28
-Trading licence document missing-19
Refer reason: score clears the floor but requested amount exceeds modelled capacity. A reduced limit is within policy on officer sign-off.
Decision, reason codes and actor are written to the hash-chained audit log. Model CSE v2.3 - BRCE ruleset 2026-07.
Loan Origination Pipeline
What actually reaches a human
Most applications never appear here. An instant cash loan decides itself in under two seconds. This queue holds the ones the policy sends to a person: SME applications, referrals from a borderline score, and anything a rule flagged.
| Application | Product | Amount | Why it is here | Waiting |
|---|---|---|---|---|
| LA-2026-33190 Aline Uwase | Instant cash | RWF 150,000 | Score 648, inside the referral band of 640 to 660 | 18 minutes |
| LA-2026-33184 Nyabugogo Auto Spares | SME term loan | RWF 4,500,000 | SME applications always go to a loan officer | 4 hours |
| LA-2026-33179 Eric Mugisha | Salary loan | RWF 1,400,000 | Above his employer roster limit of RWF 1,200,000 | 1 day |
| LA-2026-33171 Patrick Nkurunziza | Instant cash | RWF 200,000 | Rule flagged: third application in 14 days | 1 day 6 hours |
Decided automatically today
1,284
96.4% of volume
Sent to this queue
48
3.6%
Median time in queue
2h 10m
Target under 4 hours
Approved from this queue
61%
Against 74% automatic
The queue rate is the number to watch. If it climbs, the policy is referring too much and the team drowns. If it falls to nothing, the policy is probably approving things it should be looking at.
Loan Origination Pipeline
LA-2026-33190, score 648, band B
The engine gives its reasons, not just a number. An operator asked to overturn a score needs to know what drove it, and a borrower who is declined is entitled to a reason that is not "the computer said no".
| Factor | Direction | Weight | What it actually is |
|---|---|---|---|
| Wallet inflow consistency | Positive | High | 14 months of history, inflow varies by under 20% month to month |
| Bureau record | Positive | High | No arrears, one settled loan closed on time in 2025 |
| Requested amount against inflow | Negative | High | RWF 150,000 is 48% of monthly inflow. The threshold is 35%. |
| Telecom tenure | Positive | Medium | Same MTN number for 6 years |
| Recent application velocity | Negative | Low | Two applications in 30 days, both this one and a withdrawn draft |
| KYC tier | Positive | Gate | Tier 2, which lending requires |
| Score | 648 of 900 |
| Band | B, referral band is 640 to 660 |
| Reason codes | AFF-02 VEL-01 |
| Model version | cse-instant-v4, pinned on this decision |
| Decision replayable | Yes, against the pinned model and feature versions |
| Recommended by the engine | Approve at RWF 90,000, which passes affordability |
| Your mandate | Up to RWF 500,000. This is inside it. |
The engine is not recommending a decline. It is recommending a smaller amount, because affordability is the only thing failing. Reducing the amount is usually the right answer and it is offered as a first class option rather than buried.
Loan Origination Pipeline
Another operator decided this application
Somebody else already decided this. Application LA-2026-33190 was approved at RWF 90,000 by m.habimana at 16:22 today, so your decision was refused rather than silently overwriting theirs. The platform returns a state conflict, and that is the right answer: two operators deciding the same item is exactly what maker-checker is meant to catch.
| Error returned | 409 STATE_CONFLICT |
| Item | Application LA-2026-33190 |
| Already decided by | m.habimana |
| When | 16:22 today |
| Outcome that stands | approved at RWF 90,000 |
| Your action | Discarded. Nothing was written. |
Why the queue let you open it. The list was loaded before they decided. Refreshing the queue removes it, and any decision you were part way through is lost rather than applied to a closed item.