A leading energy company operating across several European markets needed to accelerate customer onboarding without compromising its strict credit risk controls. Manual, email‑based workflows created bottlenecks and slowed decision-making across teams.

We partnered with them to implement an automated credit risk assessment solution that evaluates new customer applications in near-real time. The result is faster, more consistent decisions, significantly reduced manual effort, and a scalable operational foundation that supports growth without increasing complexity or headcount.

The organisation reduced manual effort in credit assessment workflows by over 90%, allowing risk specialists to focus on complex cases rather than routine checks. Fewer than 8% of applications now require human validation, which has improved both decision speed and consistency.

Automated processing rates have already surpassed 50%, with a clear path toward more than 90% as the solution expands into additional regions. This enables the business to manage increased volumes without creating pressure on teams or requiring proportional increases in staffing.

From a customer perspective, credit decisions are now delivered in near-real time, regardless of standard working hours. This has shortened onboarding times and ensured a consistent, rules‑based evaluation across markets.

As the company expanded across markets and customer types, credit teams faced rising workloads governed by strict compliance and risk policies. The previous process, built around email communication, manual checks, and individual judgment, was slow and difficult to standardise. It mirrored challenges often seen in manufacturing environments, where frequent interruptions, inconsistent visibility, or unstructured handovers impact planned output and create operational friction.

This created multiple risks: slower onboarding, inconsistent decision-making, and an inability to scale without increasing headcount. Operational efficiency declined, specialists were overwhelmed with repetitive tasks, and customers experienced delays during periods of high demand.

With our proven capabilities in automation, we partnered with the client to implement a solution that would standardise evaluations, accelerate decision-making, and maintain the required level of control. The objective was to shift the credit process away from constant “fixing in the moment” and toward a more preventative, structured, and scalable way of working.

The new solution positions automated credit assessment as a central operational capability. Customer applications are evaluated through predefined rules, ensuring each request is assessed consistently across different markets and customer segments. This rule‑based approach reduces variability and aligns every decision with established risk policies.

By automating the majority of cases, the organisation has transitioned to a clear exception‑based workflow. Only complex or ambiguous situations require specialist intervention. This gives experts more time for in‑depth analysis and reduces operational delays that previously occurred when routine tasks overloaded the team.

The shift to automation also removes the time constraints of the earlier manual workflow. Evaluations continue throughout the day, improving responsiveness and allowing customers to receive decisions more quickly. This steady flow of output strengthens both the customer journey and the organisation’s internal reliability.

From an operational standpoint, the solution supports long‑term scalability. As volumes grow across countries and business units, the system absorbs additional demand without placing additional pressure on teams or requiring new hires. Consistent application of rules reduces the likelihood of errors and strengthens overall risk control, making the solution a reliable foundation for future expansion.

The solution is already supporting credit operations across multiple countries and is currently expanding into additional markets. Its modular, rules‑driven structure makes it adaptable to varying regulatory environments and customer profiles.

This approach is relevant to any organisation managing a high volume of credit decisions or similar rule‑based approval workflows. It is particularly valuable for businesses aiming to scale while maintaining control, consistency, and efficiency.

Planned enhancements will continue to increase automation rates and extend the capability into additional stages of the credit lifecycle.

By transforming credit assessment from a manual process into an automated, scalable capability, the company has increased speed, strengthened consistency, and enabled specialists to focus on higher‑value work, all while maintaining strict risk control. Do your employees deal with constant manual processes and bottlenecks? Let’s discuss how our automation specialists can improve your organisation’s consistency and decision speed.