Credit Risk Scorecard

What is Credit Risk Scorecard

Credit risk modelling is an approach to identify high risk customers. Credit scoring is based on analysing customer’s personal information, transactional information, last premiums and many more variables providing a unique score reflecting the creditworthiness of the customer.

With credit scoring, TransOrg helps in building customer application evaluation, collection strategies, cross/up-sell models, customer acquisition and retention strategies.

What we do

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    Data Sourcing 

    Data stitching from various sources

    Understand the data schema and data dictionary.

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    Data Pre-processing

    Access data quality gaps and data sufficiency.

    Perform vintage and roll-rate analysis, if needed.

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    Data Transformation

    Perform variable transformation and correlation tests for multicollinearity.

    Feature selection based on variable significance and intelligence value

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    Model Fitting & Validation

    Model methodology specification and implementation

    Build machine learning risk scoring classifier model

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    Risk Scorecard Validation

    Carry out scorecard validation and out of time validation

    Perform reject inferencing, if needed

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    Monitor Model performance

    Review Model approach

    Access model implementation

Want to learn more about TransOrg’s value proposition solution methodology and implementation approach?

Our Services Provide a Unique Range of Benefits

Improved strategies across all functions

Reduced credit losses

Enable decision making at different stages of customer lifecycle

Strengthen enterprise-wide compliance programs

Other Solutions

  • digital-analytics

    Fraud Analytics

    Mitigate frauds at transactions level, merchant level or account level by anomaly detection.

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    Collection Analytics

    Make strategies for collections and recovery to mitigate losses.

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  • customer-behaviour-icon

    Customer Analytics

    Get customer insights such as wallet share, life time value and affinities to explore cross/up sell opportunities.

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Case Studies