Make Better Credit Decisions with

Easily build high accuracy AI-powered credit scorecards rapidly across the credit lifecycle – Applications, Behavior, Collections.
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Application ScorecardsApprove More, With Less Risk.
Get higher approval rates, and access new markets with scores you can trust.
Behaviour ScorecardsCatch Risky Clients, Not Surprises.
Get real-time foresight to detect high-risk cases before default and lower loss rates.
Collection ScorecardsMinimise Risk. Maximise Collections.
Dramatically improve your debt collection and recovery rates.
Highest accuracy in the market

Approve More, Confidently.

Approve More with Less Risk

With an over 20-point gain in GINI, you’ll start saying “yes” to more customers and still have a lower loss rate.

Use AI & ML to Build Powerful Scorecards

Customise high quality scorecards yourself with full access to algorithms matched to your unique use cases.

Safely Lend to New Segments

creditX’s high accuracy means reduced risk, letting you to lend to new segments or markets confidently.

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FASTEST TIME-TO-VALUE

Start Lending Better in Shorter Time

Build & Deploy Scorecards in Hours

With credit scorecards developed this fast, you’ll always be up-to-date to make the most informed decisions.

Fully Automated: Make Instant Decisions

Credit models are built and deployed in a snap, so you can make the right calls more quickly and more often.

From Contract to Scoring in Just 12 Weeks

creditX plugs and plays fast with APIs. There’s no tedious onboarding process and it’s ready to score when you are.

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SIMPLY EASY TO USE

Credit Modelling, Made for Anyone

Simple, No-Code User Interface

Powerful AI meets simple UI. No coding experience is needed to validate, build or deploy powerful scorecards.

Empower Experts to Their Best Work

creditX shaves weeks off any data scientists’ time building each scorecard, allowing focus on critical tasks

Goes with the Workflow You’re Used To

With our plug-and-play APIs, our creditX AI solution fits right into your existing workflows within weeks.

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Fair, Transparent & Explainable AI
Completed AI Verify : World’s first AI governance toolkit
Validating AI with leading regulators
Ensuring Regulatory Compliance & Security
Hosting can be either on prem or cloud (public or private)
You own the Model IP
creditX is ISO & SOC2 Certified

is priced affordably for big banks, startups and all lenders in between

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How Works

Build Rapid, Custom Scorecards AI-tomatically

Powerful proprietary AI that leads the industry in speed, precision and functionality. All in a simple, affordable platform anyone on your team can use.

Connect Your Data with our Platform

Internal
Data

External
Data

Alternate
Data


Automatically Builds, Validates, and Deploys Your Credit Scorecards

Application

Behaviour

Collection

One-click Deployment of Your Custom Scorecards, Instantly

Retail SME

Data Ingestion

  • Connect to any data source
  • Automated data validation

Data Treatment

  • Transformation, standardization & hot encoding
  • Bias Reduction

Feature Engineering & Variable Selection

  • 100+ auto-derived variables
  • Identify non-linear patterns
  • ML boosted & correlation-based variable selection

Model Builder

  • Set your model parameters
  • Generate new models or change PD levels to see model impact

Model Validation & Explainability

  • Cross-validate models with trained & testedframe works
  • Advanced Explainability: Model & Decision

Model Deployment & Monitoring

  • Single-click, API-based deployment
  • Real-time decisioning
  • Monitor performance with analysis & reports

Data Ingestion

Data Treatment

Feature Engineering & Variable Selection

Model Builder

Model Validation & Explainability

Model Deployment

1 Day

Other solutions (9-12 Months)

Connect Your Data with our Platform

Internal
Data

External
Data

Alternate
Data


Automatically Builds, Validates, and Deploys Your Credit Scorecards

Application

Behaviour

Collection

Data Ingestion

  • Connect to any data source
  • Automated data validation

Data Treatment

  • Transformation, standardization & hot encoding
  • Bias Reduction

Feature Engineering & Variable Selection

  • 100+ auto-derived variables
  • Identify non-linear patterns
  • ML boosted & correlation-based variable selection

Model Builder

  • Set your model parameters
  • Generate new models or change PD levels to see model impact

Model Validation & Explainability

  • Cross-validate models with trained & testedframe works
  • Advanced Explainability: Model & Decision

Model Deployment & Monitoring

  • Single-click, API-based deployment
  • Real-time decisioning
  • Monitor performance with analysis & reports

Data Ingestion

Data Treatment

Feature Engineering & Variable Selection

Model Builder

Model Validation & Explainability

Model Deployment

+ Learn More

One-click Deployment of Your Custom Scorecards, Instantly.

Retail SME
Book a Demo

How Works

Build Rapid, Custom Scorecards AI-tomatically

Powerful proprietary AI that leads the industry in speed, precision and functionality. All in a simple, affordable platform anyone on your team can use.

Connect Your Data with our Platform

Internal
Data

External
Data

Alternate
Data


Automatically Builds, Validates, and Deploys Your Credit Scorecards

Application

Behaviour

Collection

One-click Deployment of Your Custom Scorecards, Instantly

Retail SME

Data Ingestion

Data Treatment

Feature Engineering & Variable Selection

Model Builder

Model Validation & Explainability

Model Deployment

1 Day

Other solutions (9-12 Months)

Connect Your Data with our Platform

Internal
Data

External
Data

Alternate
Data


Automatically Builds, Validates, and Deploys Your Credit Scorecards

Application

Behaviour

Collection

Data Ingestion

Data Treatment

Feature Engineering & Variable Selection

Model Builder

Model Validation & Explainability

Model Deployment

+ Learn More

One-click Deployment of Your Custom Scorecards, Instantly.

Retail SME

How CreditX Made Lending Easier for Our Clients

creditX

For Personal Loans

Placing big ticket items within reach

creditX

For SME Lenders

Encouraging financial inclusion for business of all sorts and sizes

creditX

For Credit Cards

Making life’s important milestones affordable

See all Success Stories
creditX

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