End-to-end AI scoring across the consumer credit lifecycle — from origination to write-off. Our behavioral models go beyond bureau data to deliver precision decisions at every stage.
21 days
Pre-delinquency early warning
IFRS 9
Regulatory compliant staging
6 models
Full lifecycle coverage
+15%
Portfolio revenue uplift
One platform, six scoring moments — from first application to final recovery.
Acquisition
Application Scorecard
Approve / decline / price
Onboarding
Thin-File Behavior
Starter limit assignment
Active Management
Behavioral Score
Limit & product decisions
Stress Detection
Early Warning Score
Proactive intervention
Delinquency
Collections Behavioral
Segmented treatment
Write-Off / Recovery
Settlement Score
Optimal settlement offer
Each model is purpose-built for its stage — not a generic score re-used across the lifecycle.
AI-powered credit decisioning at the point of application — integrating bureau data, open banking signals, and behavioral proxies to deliver instant, explainable credit decisions.
Continuous scoring of active accounts using transaction behavior, product usage, and payment patterns to proactively manage limit increases, decreases, and intervention triggers.
Identifies accounts showing stress signals before they miss their first payment — enabling proactive outreach that prevents delinquency rather than responding to it.
Dedicated post-default scoring optimized for collections — assessing settlement likelihood, payment capacity, and optimal channel/message pairing for maximum recovery.
Periodic full re-evaluation of borrower creditworthiness for portfolio-level reporting, stress testing, and regulatory capital calculation (Basel IV / IFRS 9 compliant).
Dynamic, behavior-triggered credit limit management that automatically adjusts limits across revolving products — increasing revenue from good customers while reducing exposure to deteriorating ones.
We'll demo the full lifecycle scoring suite against your portfolio profile and deliver a custom ROI estimate.