Test strategy,
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Simulate policy, stress portfolios, and track actual versus expected in one operating layer. Fewer surprises on the book, faster committee-ready answers.
Built for modern lending models
Digital lenders
BNPL
Salary advance
Microfinance
Embedded finance
Telco credit
Intelligence to deployed policy
Simulate, backtest, stress, and monitor in one stack.
Unified portfolio intelligence
One layer for exposure across products and channels: cohorts, drift, and capital efficiency without spreadsheet glue.
Credit policy simulator
Change limits, pricing, tenor, or segments and see volume, loss, and P&L paths before the ledger moves.
Backtesting engine
See how projections lined up with history, with assumptions and drivers you can defend in audit.
Stress and downside lab
Shock macro, funding, fraud, or collections and read liquidity, migration, and buffers in one pass.
Operating stack for every lending model.
One layer for portfolio views, policy runs, stress tests, and monitoring so risk and product stay aligned.
Wire simulations into your origination stack.
Send cohort snapshots, run policy scenarios, and stream actual-versus-expected deltas back to your LOS or data warehouse with typed webhooks.
- Typed simulation runs
- Idempotent ingestion
- Webhooks per policy version
Committee-grade controls and lineage.
Every simulation stores assumptions, model versions, approvals, and post-deploy monitoring so boards, investors, and auditors can replay decisions.
- Policy review workflows
- Dual-control approvals
- SSO and enterprise support
Strategy and evidence
Test decisions before capital moves.
Portfolio intelligence
Tape in, slice by channel and segment, watch cohort health.
Policy simulation
Move limits, pricing, or tenor and see outcomes before go-live.
Governance and monitoring
Stress runs, deployment checks, and trails committees can trust.
Commercial terms are agreed with your team. Nothing here constitutes an offer or quote.
Security & governance for portfolios
Encryption in transit and at rest, RBAC, segmented environments, and audit trails aligned with SOC 2 and GDPR expectations.
Working toward SOC 2 Type I readiness and assessment
SOC 2 Type II audit targeted for Q3 2026
Full compliance with EU data protection regulations
International standard for information security management
How We Protect Your Data
End-to-End Encryption
All data encrypted at rest (AES-256) and in transit (TLS 1.3)
Secure Infrastructure
Hosted on SOC 2 certified cloud providers with 99.99% uptime
Access Controls
Role-based permissions, SSO/SAML, and comprehensive audit logs
Frequently asked questions
Grounded in how Pavilion CreditOS is described for lenders.
What question does Pavilion CreditOS help lenders answer?
What does the platform connect to?
Who is Pavilion CreditOS built for?
What kinds of policy decisions can teams simulate?
How does Pavilion support governance?
Where are commercial terms discussed?
Want a walkthrough aligned to your book?
Book a demoReady to test policy before deploying capital?
Simulate outcomes, stress the downside, and track actual versus expected with governance built in.
No credit card required. Free 14-day trial.