Elevate insightful decision-making: Our AI-powered models optimize risk, performance, and client value across the financial spectrum.
Pre-Disbursement
Credit Scorecard
Our AI-powered Credit Scorecard leverages advanced algorithms to assess borrower creditworthiness with unprecedented accuracy. By analysing a wide range of data points, it provides a comprehensive risk profile, enabling you to make informed lending decisions and optimize your portfolio performance.
Credit Modeling (PD, LGD, EAD)
Enhance your risk management with our comprehensive Credit Modeling suite. Our models accurately estimate Probability of Default (PD), Loss Given Default (LGD), and Exposure at Default (EAD), providing a holistic view of your portfolio risk and supporting regulatory compliance.
Fraud Scorecard
Stay one step ahead of fraudsters with our cutting-edge Fraud Scorecard. This model employs machine learning techniques to detect subtle patterns and anomalies, significantly reducing the risk of fraudulent applications and protecting your institution from potential losses.
Customer Segmentation and Profiling
Unlock the power of personalized lending with our Customer Segmentation and Profiling model. By categorizing borrowers into distinct groups based on their characteristics and behaviours, you can tailor your products, pricing, and marketing strategies for maximum effectiveness and customer satisfaction.
Risk-Based Pricing
Optimize your pricing strategy with our Risk-Based Pricing model. This sophisticated tool analyses individual risk factors to determine the most appropriate interest rates, ensuring fair pricing for borrowers while maximizing your risk-adjusted returns.
Post-Disbursement Models
EWS (Early Warning System) Risk Assessment
Stay ahead of potential defaults with our EWS Risk Assessment model. By continuously monitoring borrower behaviour and external factors, this system identifies early signs of financial distress, allowing you to take proactive measures to mitigate risks and support struggling borrowers.
Propensity to Bounce
Predict and prevent payment failures with our Propensity to Bounce model. By analysing historical data and current indicators, this tool forecasts the likelihood of missed payments, enabling you to implement targeted interventions and reduce delinquency rates.
Propensity to Flow (into NPA)
Safeguard your portfolio health with our Propensity to Flow model. This advanced predictive tool identifies loans at risk of becoming non-performing assets (NPAs), allowing you to take timely action to prevent defaults and optimize your collection strategies.
Collection Strategies
Maximize recovery rates with our AI-driven Collection Strategies model. By analysing borrower profiles, payment histories, and economic factors, this system recommends the most effective collection approaches for each case, improving efficiency and reducing losses.
Advanced Services
Data Engineering
Unlock the full potential of your data with our Data Engineering services. We transform raw data into a structured, analysis-ready format, ensuring that your AI models are built on a solid foundation of high-quality, relevant information.
Model Validation
Ensure the reliability and compliance of your risk models with our rigorous Model Validation service. Our experts thoroughly assess model performance, stability, and adherence to regulatory standards, providing you with confidence in your decision-making tools.
Regulatory Compliance
Navigate the complex landscape of financial regulations with ease. Our Regulatory Compliance solutions ensure that your risk management practices align with the latest industry standards and legal requirements, protecting your institution from regulatory risks.