Score, explain and decide in real time, with robust, backtested and compliant scorecards, to grant the right credit to the right customer, faster and with confidence.
Credit Scoring turns applicant data into a justified decision. Every case gets a score, a probability of default and a factor-by-factor explanation, in real time, on calibrated and backtested scorecards.
It is the same engine shared with the credit lifecycle — it feeds origination directly, so the decision to grant a loan rests on a score that is reliable, governed and traceable end to end.
The same working environment, two complementary views: building the score factor by factor, and monitoring the model's performance.
The score built factor by factor, with each variable's contribution and the reasoned origination decision.
Model quality under control — ROC curve, discriminatory power and backtesting of the score across the portfolio.
From the scoring model to origination, complete coverage of the credit decision.
Scorecards and scoring models calibrated on your data, versioned, governed and documented end to end.
Every case is scored instantly, with a score, a probability of default and a risk class.
Each factor's contribution to the score, for a decision that is reasoned, transparent and auditable.
Configurable origination thresholds, rules and decision policies, with approval and review zones.
Tracking the model's discriminatory power — Gini, AUC, KS and stability — across the portfolio over time.
The score feeds the origination decision directly, with no re-keying, from application to disbursement.
Robust scores, faster decisions and expected losses that are better anticipated.
Calibrated, backtested scorecards, benchmarked against market references.
The score and the origination decision returned instantly, right from the application.
Every decision reasoned factor by factor, transparent and auditable.
Configurable decision policies, traceable and under control.
Discriminatory power tracked over time, backed by Gini and AUC.
A score embedded in origination that shortens credit decision times.
Indicative orders of magnitude, varying by context and scope.
A controlled modelling cycle, from data through to the credit decision.
Feeding the foundation from the core banking system and the warehouse, with quality control of the scoring variables.
Building and calibrating scorecards, selecting factors and governing the scoring models.
Measuring discriminatory power — Gini, AUC, KS and stability — and validating the model on the portfolio.
Applying thresholds and policies, real-time scoring and integration into the origination decision.
Credit Scoring steers credit risk. The three other modules steer balance-sheet risk, on the same foundation.
Six stages of the customer lifecycle — from onboarding to collections, through to a better customer experience — resting on a cross-cutting foundation of automation and data that connects them and improves them continuously.
From the first interaction to account opening: a smooth, compliant onboarding, for individuals and businesses alike.
Learn more →Accounts, products, cards, accounting and treasury, implemented and operated by our teams.
Learn more →Secure, compliant payment journeys: electronic wallet, mobile banking and card switch.
Learn more →Two dimensions under control: credit risk throughout the loan cycle, and balance-sheet risk (ALM, capital) steered at the bank level.
Credit scoring feeds the origination decision at this financing stage.
Learn more →In the event of default, our solution automates the collections process — through to litigation management where needed.
Learn more →Data and automation in the service of the relationship: anticipate churn risk and deliver ultra-personalised experiences that lift satisfaction and revenue.
Learn more →Request a demo: we walk you through the Credit Scoring module — scorecards, probability of default, explainability and the origination decision — on your cases and your policies. Leave us your details and an expert will get back to you.