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Next Generation
AI-powered
Credit Scorecards

Features

Make real-time credit decisions, Minimize portfolio risk and Maximize collections & recoveries.

High

Accuracy Models

Sophisticated ML models for better predictions and adapts to data changes to improve accuracy over time

API based

Integration

Advanced architectural components for rapid implementation through plug-in modules and multi-threaded APIs for speedy model deployment

Real-time

Scoring

Equipped with multi-threaded APIs, these models predict behaviour, assess risk and generate dynamic scores on the go

Strategy

Builder

Application allows for simulation of stress scenarios at various PD thresholds, and redeployment of adjusted models

Scorecard

Recalibration

Application readjusts and rebuilds models reflecting changed data to produce best approximation scorecards and sustainable outcomes

Explainable

AI

Allowing stakeholders to comprehend the drivers of a model-driven decision, the scoring model is made transparent

End-to-end Credit Decisioning Platform

A full-scale Credit Scorecard System for lending institutions spanning the customer credit lifecycle – Application, Behavior and Collections.

  • Data Ingestion: Automatically pull information from your databases

  • Calibrate New Models: Recalibrate scorecards on demand

  • Deploy Models: Rapid deployment to production to generate real-time scores

  • Analytics & Reporting: In-build sophisticated analytics & reporting

Benefits 

Next generation Credit scorecards that can instil Confidence, invite Changes and increase Conversions

Drive

High Quality Sales

Real-Time generation of counter-offers within acceptable PD levels for rejected application profiles, thereby enhancing sales

Achieve

Quick ROI

Quick time to market, improving acceptance rates andoptimizing existing portfolio ensures quick and positive returns

Make

Efficient decisions

Real-time processing of new customer applications and generation of next best recommendations improves quality of decisions

Increases

Quality of Collections

Early detection of high-severity cases and identifying appropriate contact plan for each customer improves collection rates

Reduce

Losses & Defaults

Highly accurate and predictive models help in proactiveassessment of customers’ ability and willingness to repay

Better

Risk management

Reviewing existing loan portfolios against latest scorecards and identifying high-risk accounts strengthens credit management

A Singapore based AI envisioned Fintech certified by Singapore Fintech Association.

We bring together global experience in financial services & cognitive technologies to AI enabled solutions for financial institutions that will drive enterprise growth, profitability, and sustainability.

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