Credit Modelling

Credit models, more widely known as credit scores, are predictive models that determine the likelihood of someone defaulting on their debt obligations. These models are typically presented in a score on top of which credit policy rules are developed or integrated with.

 

We have extensive experience in developing regulatory compliant credit models from credit bureau to unicorn fintech experiences. This means that we have experience in application and behavioral use cases, feature engineering, data partitioning, scorecard conversion, posterior analysis, rejection inference and monitoring.

 

Our bespoke solution frees up time from the scorecard development phase and allows for more time to be spent on problem formulation and execution. Rapid experimentation is encouraged via our bespoke solution to ensure complete alignment from project inception to closure.