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Dynamic pricing

For: risk, senior credit, and product owners who set offer bands.
Not for: casual rate promises to customers without policy cover.

In Decision PRO: Dynamic pricing (role-gated).

What this is​

Dynamic pricing proposes or calculates interest rate offers (or rate bands) from risk inputs and bank policy, including regulatory ceilings where the product references supervisory ranges (for example NBE-aligned bands in Ethiopian deployments).

Why it matters​

  • Ties price to risk and rules your committee approved.
  • Reduces ad-hoc rate negotiation that bypasses policy.
  • Surfaces warnings when an offer would breach caps or eligibility.

Inputs operators care about​

  • Risk grade / score band from scoring or policy.
  • Tenor and amount requested.
  • Collateral class and promotional flags (if used).

Outputs​

  • Recommended rate or band with reason text your bank approved for staff.
  • Warnings when a rule blocks an offer-do not override without authorized policy.

What you do​

  1. Confirm the applicant context matches the application you are pricing.
  2. Read warnings before communicating any number to a customer.
  3. Record the chosen offer in the loan file per SOP (application detail / disbursement checks-confirm handoff in your tenant).

When to escalate​

  • System suggests a rate outside your published product sheet.
  • Regulatory or policy warning you cannot clear with documented authority.
  • Channel (Akafay) shows a different offer than Decision PRO-raise with AIS and your product owner.

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