2844 1st St. Costa Rosmerry CA 18221. United States

Identify, Manage and Control Portfolio Risks with Customized Credit Risk Scorecards

Credit Risk Scorecards provide financial institutions the information needed to rank order accounts based on their likelihood of default, a critical process that helps minimize portfolio losses, minimize delinquencies and maximize profitability by making more accurate lending decisions.

The proactive identification of borrowers’ risk helps financial institutions make more accurate and profitable lending decisions, set credit limits and put in place proactive strategies to reduce losses, reduce collection costs and minimize write-offs.

Strategic Analytic Solutions offers Credit Risk Modeling and Risk Scorecards development services to help financial institutions improve the accuracy, efficiency and productivity of risk management operations with benefits across several areas:

  • HIGHER INTEREST INCOME: Improved loan decisions with the development of applicants’ scorecards that introduce accuracy and speed in the loan review process.
  • IMPROVE CAPITAL EFFICIENCY: Capital Adequacy modeling services th achieve better alignment between a financial institution’s capital reserve requirements and its risk weighted assets (RWA),
  • MINIMIZE LOSSES: Reduce charge-off losses with the deployment of Credit Risk Scorecards that help determine spend limits for credit applicants.
  • IMPROVE OPERATIONAL EFFICIENCY: Reductions in operational costs through improvements in staff productivity in the credit review process, account pre-screenings, loan reviews, credit limits and collections recovery.

Our custom Credit Scoring development process leverages advanced statistical modeling and Machine Learning algorithms to develop risk scoring models unique to each institution to better capture and understand the risk and opportunities in their loan portfolios.

Bank Analytics

Leverage Predictive Analytics to grow market share, increase revenue and improve profitability.

DEPOSIT ANALYTICS

Develop Credit Risk Models and estimate the optimal capital reserve requirements that correlate with portfolio risk across time.

Capital Adequacy

Develop Credit Risk Models and estimate optimal capital reserves that correlate with portfolio risk.

ALM Modeling

Measure the impact of changes in interest rates on NII, NEV, capital adequacy and profitability.

Increase Profits

  • Unleash the value
  • and opportunities hidden
  • in the data with
  • Predicitve Analytics.

Get More Customers

  • Acquire, retain and grow
  • profitable customer relationships
  • with data-driven
  • marketing decisions.

Manage Risk

  • Leverage Predictive Analytics
  • to proactively identify,
  • monitor, manage and control
  • balance sheet risks.

Our Approach

  • Start small and expand
  • capabilities driven by
  • success and performance
  • improvements.