LendingMetrics Launches ADP Replay Module to Accelerate Credit Policy Testing

LendingMetrics has launched the ADP Replay Module to allow lenders to stress-test credit policies against historical data without disrupting live operations. For fintech professionals, this addresses the critical bottleneck of back-testing scorecard changes, enabling faster iteration of automated decisioning logic in a market where credit risk profiles are shifting rapidly.

What was announced

The ADP Replay Module is a new self-serve addition to LendingMetrics’ flagship Auto Decision Platform (ADP). It is designed specifically for underwriters and credit risk teams to simulate the impact of potential logic or scorecard adjustments before they are committed to a live environment. The module functions by allowing users to take a large volume of historical decision calls and "replay" them through a draft version of a decision engine in a single run. This comparison between historical outcomes and proposed changes is managed through a streamlined three-step process, enabling teams to iterate on credit policies in minutes.

By isolating these simulations from live production operations, the tool aims to reduce the operational risk and technical overhead typically associated with deploying new credit strategies. LendingMetrics indicates that the Replay Module is intended to help underwriters deploy changes with higher confidence and improve outcomes across the entire credit lifecycle. The launch of the module coincides with a period of commercial expansion for the platform, which recently secured new ADP partnerships with LHV Bank and Chorley Building Society. Furthermore, the company’s technical contributions to the sector have been recognized with a shortlisting for Technology Partner of the Year at the 2025 Consumer Credit Awards, highlighting the platform's role in supporting automated lending infrastructure.

The companies involved

LendingMetrics is a specialist in credit risk software and data, providing automated decisioning tools to the financial services sector. Based in the UK, the firm has established itself as a key infrastructure provider for lenders seeking to digitise their underwriting processes through its Auto Decision Platform. LHV Bank, one of the partners mentioned in the recent expansion of the ADP platform, is a subsidiary of LHV, a major Estonian financial group that has significantly expanded its presence in the UK banking market. Chorley Building Society is a long-standing UK mutual organisation that provides mortgages and savings products. The adoption of the Auto Decision Platform by these institutions reflects a broader trend of traditional building societies and digital-first banks alike seeking to automate complex lending decisions. LendingMetrics operates in a competitive landscape of credit reference agency partners and independent software vendors, positioning its ADP product as a flexible, self-serve alternative to the rigid legacy underwriting systems that have historically slowed down policy updates.

What FF News has reported before

FF News has tracked the steady expansion of LendingMetrics’ footprint in the automated lending space over several years. In May 2025, we reported that Chorley Building Society Goes Live with LendingMetrics' Auto Decision Platform, a move that signaled the society's digital transformation. Later that year, the firm expanded its reach into specialist lending through a deal with Camco Finance. The company’s focus on innovation was further evidenced by the appointment of Jamie Land as Head of Presales to drive credit risk development. LendingMetrics has also maintained a strong industry reputation, as seen when LendingMetrics Secures Seventh Consecutive Technology Partner of the Year Win in 2026.

What this means

The launch of the Replay Module highlights a shift in the credit risk market toward "sandbox" environments that empower non-technical staff. As economic conditions fluctuate, lenders are under immense pressure to tweak their risk appetite without the lag of traditional software development cycles. By providing a self-serve way to validate changes against historical datasets, LendingMetrics is addressing the industry's need for agility. The broader question for the sector is whether such tools will lead to more aggressive risk-taking or if the ability to simulate outcomes will actually foster a more conservative, data-backed approach to automated lending across the UK market.