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

Manage and Control Portfolio Risks with Customized Credit Risk Scorecards

Credit Risk Scorecards provide financial institutions the information needed to quickly and thoroughly evaluate an applicant’s risk to determine the likelihood of an account being low risk, with a profitable new customer, or likewise, being high risk with a high probability of delinquency or being unable to meet their financial obligations. The proactive identification of risks associated with each account helps institutions with pricing decisions, setting credit limits and being able to put in place proactive strategies to reduce losses, reduce collection costs and minimize write-offs.

Our Custom Credit Risk Scorecards are built to capture the unique nature of the relationship between customers and an institution risk profile to identify the significant and important factors affecting risk, losses and profitability growth. Our Custom Credit Scorecard development process follows established best-practices in credit risk management and consists of the following steps:

  • Evaluation of existing processes. Data Collection Plan, Exploratory Data Analysis (EDA). Segmentation Analysis. Model Development. Model Documentation.

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.