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Better Credit Decisions with AI​

Better Credit Decisions with AI

Developed by bankers, ZScore is a full-scale AI-powered Credit Scorecard System with 'Explainable AI' that develops Scorecards spanning the credit lifecycle - Application, Behavior & Collections.

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

Real-time
Scoring

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

Scorecard
Recalibration

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

API based
Integration

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

Strategy
Builder

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

Explainable
AI

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

A full-scale credit scorecard system spanning the customer credit life cycle : Application, Behavior & Collections

Higher
Accuracy Scorecards

Rapid
Development

Low TCO &
High ROI

Advanced Machine Learning algorithms with robust test, train & validation of models 

Develop & Deploy Scorecards within hours & days; Recalibrate scorecards on demand 

Pricing model that meet the requirements of lending institutions, large & small.

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Benefits 

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

Drive
High Quality Sales

Higher accuracy scorecards.

Generates counter-offers (within acceptable PD levels) for rejected applications in real time.

Achieve 
Quick ROI

Quick time to market, improved credit decisioning, high automation & low TCO deliver rapid returns on your investments.

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

Higher accuracy models help proactive assessment 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