What a credit journey engine is
A credit operation is not a single event — it is a journey that spans months or years and touches many teams. A credit journey engine manages that journey end to end:
- Product definition: Loan products with versioned terms, charges, and rate configurations, so every contract traces back to the exact product version it was originated under.
- Origination: Application intake, approval or rejection decisions, disbursement, schedule preview, and the regulatory disclosures the jurisdiction requires.
- Servicing: Active contract schedules, repayment recording, prepayment, rescheduling, and corrections — with reversals and replays that keep history consistent.
- Portfolio visibility: Dashboards over the active book, including delinquency views.
- Audit: An immutable of every lifecycle event, preserved for compliance.
The five domains that ship today
Under the hood, Lender is organized into five bounded domains. Every credit journey — whatever the product — flows through them:
| Domain | What it owns |
|---|---|
| Products | Loan products, immutable product versions, activation, charge templates, floating-rate tables, and the accounting profile that says how the product books to the ledger. |
| Origination | The loan application lifecycle — submit, approve, reject, withdraw, disburse — plus schedule preview and decision records. |
| Servicing | The active loan account: schedules, repayments, prepayments, reschedules, and corrections applied through reversals and replays. |
| Accounting | Accounting profiles, posting rules, posting intents, accrual runs, and journal references that tie every financial event to the ledger. |
| Portfolio & audit | Portfolio and delinquency dashboards, and the immutable audit trail behind them. |
Jurisdiction-aware, Brazil first
Credit rules differ by jurisdiction, so Lender is built jurisdiction-aware from the start: a generic baseline for any market, and a deep Brazilian profile layered on top. The three credit journeys map onto that model:
| Journey | Scope |
|---|---|
| CDC | Consumer credit operations — fixed-schedule lending to individuals, with the disclosures consumer regulation requires. |
| PJ | Business lending — credit extended to companies, from origination through servicing. |
| Cards | Card-based credit journeys. |
How Lender composes with the platform
Lender is a Lerian primitive: it runs on the platform rather than beside it.
- Ledger: Every financial event a credit journey produces — disbursement, repayment, accrual, reversal — books to the through configurable accounting profiles and posting rules. The ledger stays the source of truth for balances; Lender stays the source of truth for the credit journey.
- Multi-tenancy: Like every Lerian product, Lender is built for full tenant isolation from the ground up.
- Events: Lifecycle events are published on the platform’s streaming backbone, so downstream products and your own services can react to the credit journey as it unfolds.
- Observability: Structured logs, traces, and metrics on the same observability stack as the rest of the platform.
Next steps
Core concepts
Learn the vocabulary: loan products, accounting profiles, applications, loan accounts, accrual runs, and the Brazil terms.
Lender in the platform
See how Lender posts to the , emits events, and isolates tenants.
Originate a loan
Walk an application from intake through preview, approval, and disbursement.
Consignado privado
Explore the flagship Brazilian journey: contratação ativa, CCB, and averbação.