Who are we
WE ARE A BIG DATA AND CREDIT SCORING
Retail lending is one of the most popular and prioritized businesses in financial industry as well as demanding the most attention. Lending to potentially bad borrowers may substantially harm bank or credit union therefore this process must be addressed systematically by setting up automated and effective borrowers scoring process.
This problem is solved by our product:We effectively score borrowers using big data.
We retrieve additional statistical data to conduct further communications with existing borrowers.
Optimize credit portfolio to minimize payment overdues and defaults.
TECHNOLOGIES AND ALGORITHMS
During the development of software we use the stack of technologies from Microsoft:
- Azure cloud
- technologies CUDA
Our algorithms and models of analysis are based on:
Group of self-learning neural networks; Systems of normalization of input parameters and semantic analyzer for parsing of text information; Formation of psychological profile of potential client; Method of clustering data; Classical scoring systems.
BENEFITS FOR CLIENTS
Efficient scoring (real time scoring based on behavioral analysis) of potential borrower based on analysis of “big data” in the moment of loan processing, loans support and after-sales servicing.
Receipt of additional statistics based on analysis of financial and nonfinancial data set for further communication with client with the purpose of increasing conversion of offered financial and nonfinancial products.
Automatization of workspace of credit analyst, formation of the range of roles for automatization of loans granting process, loans portfolio support and offering clients relevant services in real time.