As customer behavior continues to evolve, it’s important to use highly predictive modeling tools to generate deeper insights that will help you make smarter and better decisions.
Building credit risk models using our exclusive data, decades of experience and credit risk modeling tools allows you to better predict customer behavior, improve financial inclusion and gain greater precision in your decisions.
Our in-depth knowledge of data, machine learning, explainability and model risk governance enables our partners to grow portfolios, control credit losses, improve the customer experience, target the right audience and minimize expenses. Our credit risk models are transparent, explainable and proven to meet the strictest regulatory standards.
Gain a holistic view of the consumer or business to more accurately determine risk and achieve better results.
Improve financial inclusion by using the most comprehensive data sources in the industry to help you recognize, score and approve more customers.
Transparent models help you build and foster trust with your customers and regulators. Our models are explainable, compliant and include detailed, rigorous and comprehensive documentation.
Credit risk modeling is the process of using advanced statistical and mathematical tools and techniques to predict the likelihood that a borrower will default on a loan or credit obligation. Models can be based on a variety of data sources, including the borrower's credit history, income and other financial information. The goal of credit risk modeling is to help organizations assess the risk associated with lending money to a particular borrower and make more informed lending decisions.