Credit Bureau Scoring System

Credit bureau scores are a key part of banks and financial institutions risk assessment processes since they help improve the predictability of a credit risk-based decision. A credit bureau scoring system represents a powerful instrument to improve and enhance credit processes. It summarises all the information contained in the credit report of a person or business into a number of potential risk factors using the proven power of predictive analytics.

Our credit bureau scoring system is a powerful tool to widely support risk and credit management activities:

Mitigate losses and provisioning

Stress testing

Credit fair value

Risk appetite framework assessment

Key Features

Easy to understand

Rank-orders the likelihood of a future delinquency on the credit lines

Performs periodically all the necessary statistical analysis to check the model stability and performance over the years.

Strong data quality activity on input data – this helps the Score in reducing the number of clients that require manual review and increasing the number of prospects.