Principa Decisions

Principa is a South African credit risk and decisioning solutions provider with over 25 years of experience, trusted by banks, retail lenders, microfinance institutions, and insurers across Africa. Combining alternative data, domain expertise, advanced analytics and specialised software, we operationalise better credit decisions. 

Our services include: 
Data & Decision Solutions (Psychometric Scoring, Bank Statement Analysis, Transactional Risk Intelligence); Specialist Credit Advisory (Product Design, Credit Lifecycle Strategy, Governance & Compliance, Fractional CRO, New Lender Incubation); Data Science & AI (Scorecards, IFRS9, Collections & Recoveries Optimisation); Data Engineering (Pipelines, Dashboards, Embedded Monitoring, API-delivered Analytics).