Propensio Finance Scales Credit Decisioning with LendingMetrics ADP Integration

Propensio Finance has integrated LendingMetrics’ Auto Decision Platform (ADP) to automate its credit decisioning and affordability assessments. For fintech professionals, this move highlights the ongoing shift toward using real-time bank transaction data to replace manual underwriting in specialist lending sectors, aiming for greater scalability and consistency in risk management.

What was announced

Propensio Finance, a specialist lender operating in the aspirational lifestyle sector, is expanding its relationship with LendingMetrics by adopting the Auto Decision Platform (ADP). This follows the lender's use of LendingMetrics' OpenBankVision (OBV) tool since 2019. The implementation of ADP is designed to leverage existing bank transaction data to refine Propensio’s affordability strategy and move toward a more automated underwriting model.

The ADP is a private-cloud-based solution that provides automated credit decisions through direct customer interaction. A key feature of the platform is its accessibility; it allows non-technical staff to build, edit, and maintain multiple decision engines without requiring IT-qualified personnel. This self-service capability is intended to help the lender remain agile in its policy management.

The project is currently in the configuration phase within a User Acceptance Testing (UAT) environment. This stage enables Propensio to conduct real-time champion/challenge scenarios and retrospective analysis to test various policies without impacting the live consumer experience. Once testing and acceptance are complete, the production environment will allow the lender to deploy complex scoring algorithms and affordability matrices tailored to their specific market requirements. The goal of the adoption is to make the underwriting process more robust, consistent, and scalable as the firm grows its lending volume.

"We established a relationship with LendingMetrics last year and quickly recognised the enabling benefits of tools like OBV to enhance our proposition by speeding up our decision making. We felt it was time to take the next logical step and the ADP platform gives us an immediate increase in capacity whilst, more importantly, making our affordability and sustainability assessments more robust and consistent. The ease with which we can edit the decision engines ourselves is the real cherry on the cake and means we can remain dynamic and agile. The project team there have been fantastic in helping us build the core engines and we’re really looking forward to working with them going forward."

Dave Hindle, Chief Executive Officer at Propensio.

The companies involved

Propensio Finance is a specialist lender focused on the aspirational lifestyle market, providing financing solutions for high-value consumer purchases. Based in the UK, the company operates under the parentage of Quilam Capital, an investment firm that provides growth capital to businesses in the speciality finance sector. Propensio positions itself as a provider of tailored lending products that often require more nuanced underwriting than standard high-street offerings.

LendingMetrics is a financial technology provider specialising in credit risk software and data solutions. The firm’s product suite includes the Auto Decision Platform (ADP) and OpenBankVision (OBV), which are designed to help lenders automate their decisioning processes using real-time data and open banking. LendingMetrics has established itself as a significant player in the UK credit risk market, providing tools that allow firms to manage complex risk appetites without heavy reliance on internal IT resources. The company focuses on delivering private-cloud solutions that integrate directly into a lender's existing workflow to improve compliance and operational efficiency.

What FF News has reported before

LendingMetrics has maintained a consistent presence in the fintech sector, recently securing its seventh consecutive Technology Partner of the Year win in 2026. The company has also been active in expanding its leadership team, notably with the appointment of Jamie Land as Head of Presales to drive credit risk innovation.

The adoption of ADP by Propensio follows a pattern of similar partnerships within the specialist lending space. FF News previously reported on Camco Finance partnering with LendingMetrics to automate specialist vehicle lending, as well as Chorley Building Society going live with the same platform to digitise its mortgage decisioning.

What this means

This announcement reflects a broader industry trend where specialist lenders are under increasing pressure to match the speed of mainstream fintechs without sacrificing the nuance of their risk models. By moving away from manual underwriting, Propensio is addressing the scalability bottleneck that often plagues niche finance. For the wider market, the "no-code" nature of these decision engines is significant; it shifts control from IT departments to risk officers, allowing for faster responses to economic shifts. However, as more lenders automate, the competitive differentiator will move from the speed of the decision to the sophistication of the underlying affordability matrices.