Credit Risk Scoring

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Customer Challenge

Banks and FSIs often struggle with legacy infrastructure and poor data management across silos, creating a longer lead time for data-driven decision-making. As more customers shift to online, this can prove costly to both customers and banks, as approval processes may be hindered due to potential delays, and risk assessment for credit may also be impacted.

Solution Description

Customers can apply online for installment loans, then provide his/her mandatory loan parameters like Age, GMI, Previous Loan History, and other compulsory data points. These data points are processed within iSteer’s Credit Risk Scoring System to generate the PD (Probability of Default) Score and Denial Reasons as predefined by the customer risk team. These scores are then run through a set of business rules to decide the final loan amount approved for that loan application.

With the Credit Risk Scoring System solution built on TIBCO® Cloud Mashery™, TIBCO® Cloud Integration™ and TIBCO® Business Events™, API management, integration, and event processing rules reduce the risk of customer inaccuracies, lower cost-to-serve, and improves the quality of risk assessment.

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Financial Services
Data Science
Asia/Pacific Rim
Middle East
North America