Businesses that rely
on regular repayment by customer are aware that their customers
come embedded with credit risk. Managing credit risk is
to manage the fine line between managing losses and revenue
growth. If you are too liberal with credit you could be
saddled with large credit losses, and if you are too tight
with credit you could curtail revenue growth.
If you are an in-charge of credit risk, underwriting, account management,
collections, new customer acquisition you are constantly faced
with questions such as:
- What is the right cut-off score? Whom should I approve?
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How much growth can I expect with my current credit policy?
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Can I extend the additional line of credit to this customer?
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Which customers should I put on an accelerated collections program?
Fortunately, there is a scientific way to answer these questions
with precision. Fractal’s risk analytics solutions use rigorous
data analysis and modeling to understand and predict consumer risk
and help you make decisions that optimize you business goal. Our
solutions include
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Credit scoring (application scoring)
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Behavioral risk scoring
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Debit scoring
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Collections and recovery modeling
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Portfolio loss forecasting
Generic Scorecards
If your business is new or you don’t have enough credit history
on your consumers we provide you pre-calibrated scorecards from
our FMetrics suite of generic scorecards.
Thin Data Environments
If you are operating in an environment or segment where third party
credit behavior data (from credit bureaus) is unavailable we can
help you with our Debit Scoring suite of products for underwriting
and account management. Our Debit Scoring solutions provide you
custom solutions by modeling debit (savings and checking account)
data for risk.
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