Bespoke Scorecards | CRIF Digital

Proprietary methodology

30 years experience

Data science hubs located
in multiple geographies

Predictive analytics delivered by business experts

CRIF Analytics Team follow a rigorous and standardized approach to develop scorecards on clients' data to predict risk and marketing target events across the whole customer lifecycle.

Success Stories

HOW WE HELPED OUR CLIENTS UNLOCK THEIR POTENTIAL

Discover how some of the world's most important companies improved their performance and defined a brand-new digital path, both for them and for their clients.

Consumer Application Scorecard

UAE Retail Bank

The bank objective was twofold: 1 reduce NPL ratio; 2 ensure a better customerience reducing time to lending decision

Lounch of the first generation of Application scorecards
Multiple scorecards were developed depending on the product

Results

30%

volumes increase at the same level of risk

20%

bad rate desuction at the same level of acceptance rate

UAE Motor Finance Company

Lookalike Application Scorecard

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.

Lookalike scorecard based on credit bureau data samples to reflect target population and and similar credit product was the adopted solution

Results

52Gini index

For the bureau Hit population

42Gini Index

For the NO Hit population

40-50%

Discrimination power average figures (Gini Index) for application scorecard

45-65 %

Discrimination power average figures (Gini Index) for Behavaioral Scorecards

60%

Discrimination power average figures (Gini Index) for credit bureau scorecard

Key Benefits

Risk driven decisions

Disburse/Reject automatic decision

Porfolio risk track and control

Reduce TAT

Increase volumes keeping risk under control

Main Features

Data ingestion and data mart creation

Variables transformation and Attributes coding

Traditional and ML/AI regression techniques

What if analysis

Cutoff strategy

Accuracy measurment

THE HEART OF DIGITAL BANKING

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.

GET IN TOUCH WITH THE SALES TEAM

What does the next digital journey of your business look like? Let's find out together.

CRIF Gulf: 15th floor, '48 Burj Gate', Downtown Burj Khalifa, Dubai, UAE

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