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Accurate predictions, better credit decisions
Credit simulation
made easy
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Portfolio Profitability
Calculate the pricing and return of any credit operation. Measure risks and drive results.
Consider all income and cost components to calculate pricing, profits, and risk metrics, including deeply hidden patterns. Quickly and reliably determine the outcome.
Create loan portfolio profitability scenarios and edit input parameters to assess the impact of different variables on specific metrics. Combine scenarios and modify their probability to predict complex events.
Anticipate and manage risks and their remuneration with detailed, precise simulations to avoid opportunity and capital losses.
Configure and adjust metrics, variables, and formulas to craft a loan portfolio profitability and pricing model that exactly fits your needs.
Add comments and support numerical data with charts, graphs, and tables. Compare and analyse simulation results in a glance using visual dashboards.
Export results to PDF and spreadsheet formats for easier sharing. Incorporate loan portfolio profitability simulations into your reporting process to improve its accuracy and build a successful commercial strategy.
The loan Portfolio Profitability module combines three components to help you easily determine pricing and profitability of proposals and portfolios.
Detailed overview of the pricing and profitability metrics of the overall portfolio, specific segments, and subportfolios. Select any date to run historical analysis of costs and results from any given time period. Design scenarios with varying probability and chain them together to predict outcomes for credit portfolios.
The model supports visual analysis through dashboards, table generation, and graphs.
Configure the simulation model to factor in all the necessary funding and operational costs, expected losses, and capital requirements. Adjust various simulation parameters, including:
Design calculation formulas for each pricing and profitability metric or variable. Search and edit previously created metrics or variables.
Loan Portfolio Profitability combines with other modules to create a complete lending solution
Run accurate simulations for all financial products, channels, and partners in a single online tool.
Validate, configure, and refine your scoring models for faster credit assessment.
Easily manage every step of loan origination, from application to the final decision.
Use loan data, process automation, and task management to optimise credit recovery.