Credit Process Design & GAP Analysis

Benchmarking against
Global Best Practice

Roadmap of
inititiatives

Optimization of lending
workflow and decision making

Credit Risk Transformation

CRIF pedrigree on lending processes design and solution implementation to support banks in their digital transformation journey.

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.

E-commerce Main Player in the UAE

Onboarding e-commerce customers for Buy Now Pay Later (BNPL) loans

Fintech looking for risk assessment during their onboarding journery of Buy Now Pay Later customers. Since the product is in launch phase, CRIF supported the client by bringing in risk and transaction scorecards with our data driven knowledge of the local market and expertise developed on e-commerce lending.

Solutions Adopted
Machine learning based Look-alike scorecard to assess the risk of the customer based on their demograhic features
Transaction level scorecard to segment different e-commerce purchases based on the cart information
Final GO/NO GO strategy for lending BNPL

Results

31Gini index

for look-alike scorecard with demographics only. Transaction scorecard in progress

Saudi Tier-1 Bank

Micro Busisness Origination Process Review

In view of a signficant porfolio growth the MSME division of the bank was embarking a digital transformation program to enhance customer experience and reduce TAT and better control risk.

Consulting engagment
Support the bank to re-design the process
Identify inistitatives roadmap

Results

18month

to roadmap

60%

Room to average TAT reduction

< 6month

Quick win ROI

< 18month

Stratrgic inititavies implementation ROI

Key Benefits

Optimal data collection and use

Take decision based on predictive analytics

Follow compliance and regulatory inputs

Optimal allocation of recources

Detailed inputs for banks digital investments

Main Features

Gaps against Best Practice

Multiple dimentions investigations

Bechmarking against regional peers

detailed list of actions

classification of inititatives as: Quick-Wins, Strategic Initiatives; Nice-to- have

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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GAP ANALYSIS

INITIATIVES IDENTIFICATION