Credit Risk Scorecard

Credit Risk Scorecard

Fraud and Risk Management

Credit risk modelling is an approach to identify high risk customers. Credit scoring is based on analysing customer’s personal information, transactional information, last premiums and many more variables providing a unique score reflecting the creditworthiness of the customer.

With credit scoring, TransOrg helps in building customer application evaluation, collection strategies, cross/up-sell models, customer acquisition and retention strategies.

We help our clients make strategic decisions resulting in sizable impact

We help our clients make strategic decisions resulting in sizable impact

Data Sourcing

Data stitching from various sources

Understand the data schema and data dictionary.

Data Pre-processing

Access data quality gaps and data sufficiency.

Perform vintage and roll-rate analysis, if needed.

Data Transformation

Perform variable transformation and correlation tests for multicollinearity.

Feature selection based on variable significance and intelligence value.

Model Fitting & Validation

Model methodology specification and implementation

Build machine learning risk scoring classifier model

Risk Scorecard Validation

Carry out scorecard validation and out of time validation

Perform reject inferencing, if needed

Monitor Model Performance

Review Model approach

Access model implementation

Want to learn more about TransOrg’s value proposition solution methodology and implementation approach?

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Unique Range of Benefits

  • 1

    Superior Customer Experience

    Improve customer experience and build strong relationships through customer analytics and personalization leading to high customer acquisition and low churn

  • 2

    Fraud and Risk Management

    Ward off potential fraud by analyzing customers’ behavioral patterns and flagging anomalous behavior to prevent losses and possible reputational damage

  • 3

    Growth Opportunities

    Identify high-value customers to explore up-sell and cross-sell opportunities. Get market insights for profitable launch of a new product or expansion of existing product line

  • 4

    Loss Mitigation

    Mitigate loss via identifying high-risk customers to reduce delinquency, estimating credit loss, reducing churn and focusing on collection and recovery

Success Stories

Find out how companies succeed with us.