Scorecards

Using statistical and machine learning techniques, we analyze available data and, with predictive modeling, reduce the information to a single value known as a credit score that represents customers':

• Propensity to default on a credit obligation.
• Propensity to become delinquent or insolvent.

Origination Scorecards

Financial lenders now use advanced customer data enhancement to reduce lending risk. Using statistical and machine learning techniques, we analyze the available data and reduce it to a single value known as a credit score representing the lending risk for each individual record.

Credit Scoring

Credit scoring is a form of artificial intelligence (AI) based on predictive modeling that assesses the likelihood of a customer defaulting on a credit obligation, becoming delinquent, or insolvent. A high credit score indicates to the lender a high confidence in that customer’s creditworthiness. Once we've built a predictive model, the model “learns” from key inputs such as historical customer data alongside peer group and other data to predict the probability of that customer displaying a defined future behavior.

Solution Capabilities

• Standardize customer credit scores by score bands
• Reduce expected default rate
• Increase auto approve rates for lowest risk customers