Pricing & Profitability

Healthy profit margins, competitively priced.

Model loan pricing, crunch the numbers, 
and set fair rates that give you solid returns.

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Find your loan pricing sweet spot, with ease

Pricing loans is like walking a tightrope. Overprice and you might lose customers to the competition; underprice and your profits will take a hit. ITSCredit is here to help you strike the right balance.

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Cover costs, hit targets

ITSCredit's loan Pricing and Profitability solution has two modules that work together to help you find the perfect price in minutes.

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Pricing & profitability simulator

The simulator module uses data on risk, market conditions, customer profiles, and more to calculate the minimum all-in pricing. This gives you the lowest loan pricing that lets you cover all costs, give stakeholders the expected return, and remain attractive for customers.

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Pricing & profitability configurator

The credit profitability configurator mode allows you to set all metrics and measures essential for running reliable, personalised pricing analyses and implementing the pricing model for optimal credit profitability.

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Pricing simulator

Swap guesswork for accuracy

Get loan insights at a glance

Check loan and client details easily and link them to your credit pricing and profitability metrics. 

Calculate key metrics 

Calculate all income, cost components capital consumption, RAROC, and net results. 

Find your baseline

Work out the minimum all-in pricing to cover costs and meet your profit goals, and compare it with your proposed credit pricing. 

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Test pricing scenarios 

Create different scenarios by tweaking input credit pricing parameters and apply shocks.

Predict profit outcomes

Predict how each loan proposal impacts credit profitability across all scenarios.

Compare forecasts

View a visual analysis and compare the forecasted outcomes.

Team up and report

Collaborate with shared comments and export reports to PDF and Excel for easy analysis.

Merge and view data

Set probabilities for each scenario and get a combined view.

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Net Results
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Raroc
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Pricing Gap
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Scenario Definition
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Customise pricing rules

Configure all metrics and measures related with the pricing and profitability metrics.

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Tailor risk factors

Configure parameters like PD, LGD, deposit rates, index rates, among others. 

Pricing simulator

Design your optimal rates

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Use custom formulas

Design calculation formulas for each pricing/profitability metric or variable. 

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Find and refine data

Search and edit metrics or variables previously created.

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Metrics and Variable Definition
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Parameters Configuration
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