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Company name: Pancredit (

Nature of the business:  Pancredit, part of the Equiniti Group, is a leading provider of loan application, administration and collection systems, intelligent credit sourcing solutions and business intelligence tools. Its solutions help organisations champion responsible lending, raise organisational efficiency, cut costs and enhance the service experience of end-users.

Locations/markets operate in: Pancredit currently operates in the UK lending market, specialising in loan software for banks, financial institutions, brokers, price comparison sites and unsecured lenders in consumer, automotive, retail and education.

Contact information:

Head Office

Pancredit Systems Limited

Pancredit House

12 Moorfield Close



LS19 7YA

United Kingdom

Tel: +44 (0) 113 250 0260 or sales +44 (0) 113 251 3455

Fax: +44 (0) 113 250 0621

Email: [email protected]

Key executives:

  • Graham Donald, Managing Director
  • Jonathan Newman, Operations Director

Brief history of the company: Pancredit was founded by Peter Constance in 1988 to develop market leading software applications for the finance industry. Over its 25 years in business, the company has built up a team of highly experienced staff with extensive knowledge of both the financial and technology markets and has worked in partnership with major lenders operating across high-street banking, motor finance and retail.

Its intelligent decision making technology can benefit lenders, intermediaries and consumers in a financially unstable world. Putting ‘responsible lending’ at the heart of its service offering is helping Pancredit to re-build the lending market’s reputation following the financial crisis and improving overall customer experience, all whilst giving lenders the opportunity to streamline operations, cut costs and free up internal resources.

Pancredit places strong emphasis on quality of development and implementation and was the first technology company in the UK to achieve ISO 9001:2008, ISO 27001 and FAST Platinum accreditations, as well as achieving a certified integrated Quality and Security Management System.

On 20 March 2014, Equiniti Group acquired Pancredit. Equiniti is a trusted partner to some of the best known brands and public sector organisations in the UK and a recognised leader in core markets including pensions, share registration and employee benefits.

For further information please visit

Products / services offered:

Pancredit’s suite of software products provides lenders with the tools they need to stay at the forefront of the market.


MADE is the multi-agency decision engine that sits at the heart of the Pancredit portfolio. It enables price comparison sites and intermediaries to better source loan products for consumers. MADE uses an applicant’s credit profile, sourced from Equifax, Callcredit and Experian, to calculate a risk based price or to determine which products an applicant qualifies for. It then combines this with data from the Pancredit database tomatch consumers to loan products they can afford and for which they are likely to be accepted.

MADE allows risk managers to implement their credit and risk policies and automate the underwriting of loan applications. It can also perform electronic ID checks and triangulate an applicant’s address with their bank and credit/debit card details.

MADE vastly improves the customer experience, reducing acquisition costs for lenders and improving their profits and reputation.

MADE contains a number of tools to implement decision rules. Any number of these decision points can be created and linked together using the underlying workflow engine.

  • Decision trees
  • Multi-dimensional look-ups
  • Scorecards
  • User defined functions and formulae
  • Rule sets

MADE also contains a diagnostic facility that allows complex rules and scorecards to be tested, providing a full trace of how a decision has processed. A powerful feature is its ability to manipulate raw credit data from the agencies to create new characteristics that can be used in decisioning without the need to commission development.

Core Pancredit:

CorePancredit is a complete loan application, administration and collections system that enables banks and financial institutions to offer unrivalled depth of functionality in a single, integrated, scalable application. It can support the full range of lending products, including unsecured, secured and asset based loans.

Core Pancredit comes with a number of supporting modules which suit different user and business applications:

  • Front Office: the front office system allows in-branch staff to perform customer facing functions with an easy to use web-based application.
  • Back Office: the back office function, based on Windows, provides sophisticated tools for back office users, such as finance staff or system administrators, to undertake more complex tasks.
  • Control Panel: a graphical tool that enables risk managers to construct comprehensive credit and risk strategies within MADE.
  • MADE: combines data from multiple credit reference agencies with application data to provide a complete credit and risk management assessment. It supports automated underwriting, ID verification, risk based pricing, loan product sourcing and behavioural scoring.
  • Panintelligence: a real-time business intelligence tool that allows companies to proactively set and monitor Key Performance Indicators (KPIs) and eliminates the need for paper-based reporting.

Core Pancredit also comes complete with an API that allows clients to integrate into their own applications and websites. Based on open standards, it has an extensive library of web services exposing the underlying business functionality.

Global Banking & Finance Review


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