Scoring & Decision

System that enables the credit risk analysis of retail and corporate clients through the assignment of a credit grade in which the credit decision will be based on.

Main Advantages

Our solution goes beyond current tools in the market as it provides a speedy assessment of client's creditworthiness that leverages on automatic credit scoring, which will reduce costs and increase efficiency while maintaining a strong risk management analysis.

Detection of riskier clients
Detection of riskier clients

Risk analysis system that uses quantitative and qualitative variables to identify high risk credit clients with a higher probability of default (PD)

Improve scoring capabilities
Improve scoring capabilities

We offer scoring and risk features with machine learning and behavioral data to help financial institutions improve their scoring capabilities and mitigate credit defaults

Immediate Credit Decision
Immediate Credit Decision

Integrated in Loan Origination module to offer a complete end-to-end digital lending process with immediate credit decision

Centralized reports
Centralized reports

Easy and accurate solution for business users to manage, analyze and visualize all data in one place with detailed and flexible dashboards based on Power BI

Upgrade models with ML
Upgrade models with ML

State of the art Risk, Scoring and Fraud modeling based on machine learning (ML) to help Risk Officers improve their models

Autonomy to create models
Autonomy to create models

Highly flexible and easy to use Marketing module (within Credit Workflow) allowing risk teams to create and manage new credit risk models without IT support

Detection of riskier clients
Detection of riskier clients

Risk analysis system that uses quantitative and qualitative variables to identify high risk credit clients with a higher probability of default (PD)

Improve scoring capabilities
Improve scoring capabilities

We offer scoring and risk features with machine learning and behavioral data to help financial institutions improve their scoring capabilities and mitigate credit defaults

Immediate Credit Decision
Immediate Credit Decision

Integrated in Loan Origination module to offer a complete end-to-end digital lending process with immediate credit decision

Centralized reports
Centralized reports

Easy and accurate solution for business users to manage, analyze and visualize all data in one place with detailed and flexible dashboards based on Power BI

Upgrade models with ML
Upgrade models with ML

State of the art Risk, Scoring and Fraud modeling based on machine learning (ML) to help Risk Officers improve their models

Autonomy to create models
Autonomy to create models

Highly flexible and easy to use Marketing module (within Credit Workflow) allowing risk teams to create and manage new credit risk models without IT support

How it Works

We provide the best in class scoring processes but also full autonomy and flexibility to change and deploy your models, support your marketing department with scoring leads and enhance customer satisfaction and retention. 

1
Request a risk grade for a customer/operation

All data can be collected from diverse external sources, such as Core Banking, Bank Statements (PSD2), Central Credit Register (CCR), Credit Bureau and Other Systems which will be automatically validated to prevent frauds (KYC, AML)

2
Assign a model to the customer/operation

Our solution works for both individuals (scoring) and corporate (rating)

3
Assess client risk and calculate credit grade

Whether for individuals (scoring) or companies (rating) the calculation of the scoring grade can be done manually with a risk analyst intervention or automatically with no need of any manual intervention.

4
Approval of the risk grade (depending on the type of model)

The solution includes a workflow for approval of the scoring/rating grade accordingly with the governance definitions/rules configured within the approval workflow.

5
Publication of a grade to the customer/operation

A grade is published according to the process above and it is attached to the applicable loan/client at the origination process

System Features

Based on several in-depth credit risk analytics, our solution helps our clients reduce risk and losses through a set of comprehensive statistical validation tests that assess the accuracy of current models and provides a series of Machine Learning capabilities that will enable a continuous improvement of your current scoring models.

background_soltions
  • Scoring Model Configuration and Calculation

    Total autonomy to create and configure your own Scoring/Rating models with a flexible range of different approaches.

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  • Portfolio Risk Certification for Commercial Leads

    Use of the scoring model as the main enabler and streamliner of marketing campaigns by scoring lists of clients in a single action.

    Flowers
  • End-to-end Scoring Approval Process

    Ownership over the overall scoring process including the assignment of scoring requests to analysts, definition of hierarchy approvals, management of overrides, among others.

    Flowers
  • Simulation of Scoring Changes

    Before making changes to the scoring module, proactively assess how the risk level distribution of your portfolio will be impacted by those changes before they are executed.

    Flowers
  • Monitoring / Validation of the Scoring Model

    Proactively identify issues or problems with the scoring model based on a comprehensive set of statistical tests focused on all scoring model dimensions, namely discriminatory power, stability, concentration, calibration & backtesting and data quality.

    Flowers
  • Design and Configuration of Model Variables

    Full autonomy and more flexibility to create new variables to be included in new versions of the scoring model based on a stored database, mitigating the usual lengthy IT process of developing and implementing changes to scoring models.

    Flowers

Total autonomy to create and configure your own Scoring/Rating models with a flexible range of different approaches.

LA

Use of the scoring model as the main enabler and streamliner of marketing campaigns by scoring lists of clients in a single action.

LA

Ownership over the overall scoring process including the assignment of scoring requests to analysts, definition of hierarchy approvals, management of overrides, among others.

LA

Before making changes to the scoring module, proactively assess how the risk level distribution of your portfolio will be impacted by those changes before they are executed.

LA

Proactively identify issues or problems with the scoring model based on a comprehensive set of statistical tests focused on all scoring model dimensions, namely discriminatory power, stability, concentration, calibration & backtesting and data quality.

LA

Full autonomy and more flexibility to create new variables to be included in new versions of the scoring model based on a stored database, mitigating the usual lengthy IT process of developing and implementing changes to scoring models.

LA

Start Now. Expand your credit business while boosting customer satisfaction.

Our Solutions

Highly configurable software credit solutions that increase a bank's profitability and productivity while addressing today's banking challenges and opportunities.