Decision Science for Lending

A better understanding of your customers gives you the confidence to issue more loans.

Advanced analytics and data science allow you to identify those customers who are likely to default.

Instant decisions stop you losing customers to your competition allowing you to close more business.

Reduce manual workload by automating the easy decisions so your underwriters can focus on the marginal cases allowing you to scale quickly and sustainably.

Make changes to policies and models in minutes when you need to respond to market shocks. No more change request IT tickets.

Understand the levers to pull to drive the changes you need in your business to hit your credit risk objectives & easily communicate to regulators & stakeholders.

• Stop losing your customers due to a slow & painful loan application process causing frustrated customers to go elsewhere.
• Auto decisioning allows you to move your customer through your decisioning & underwriting process in milliseconds and provide instant approvals without increasing risk.
• Auto-approve/decline your simple applications and push marginal cases for additional underwriting & fraud checks.
• Build, edit and deploy simple or highly complex decisioning strategies & scoring models without IT or 3rd party support.
• Open architecture allows you to connect your decisioning process to other areas of your business as well as 3rd party data and service providers.

• Reduce credit risk losses whilst increasing loan approvals using decision & data science.
• Simple data management provides you with a 360-degree view of your customer enabling you to understand risk & profitability segments.
• Use advanced analytics & AI to build predictive scoring models to identify default risk & affordability.
• Deploy models and strategies to production in simple click-steps without the need to engage IT.
• Optimise lending decision based on your customised objectives, business constraints and operational limits using a data-driven approach to lending.
• Create a simple management dashboard to give you and your stakeholders the confidence to automate your decisions.