Consumer Application Scorecard
The bank objective was twofold: 1 reduce NPL ratio; 2 ensure a better customerience reducing time to lending decision
volumes increase at the same level of risk
bad rate desuction at the same level of acceptance rate
UAE Motor Finance Company
Startup Motorfinance organization wanted to take lending decision based on application score, but in the absence of historical portfolio data on which develop a bespoke scorecard.
For the bureau Hit population
For the NO Hit population
Discrimination power average figures (Gini Index) for application scorecard
Discrimination power average figures (Gini Index) for Behavaioral Scorecards
Discrimination power average figures (Gini Index) for credit bureau scorecard
Technology is so powerful right now and offers many solutions to support financial systems undergoing radical change.
That’s why we want financial institutions to discover our idea of a future packed with opportunities that we already provide.