Automate, Optimise and Personalise your Credit decisioning
with Smart Credit Analytics

 

Increase speed and reduce operational cost – Manual underwriting processes bear high operational costs and impact the decisioning turnaround time. Automating your credit decisioning process can dramatically reduce operational costs, increase your profitability, and enable you to make decisions within seconds.

Reduce your credit risk – Cash flow is one of the most valuable predictors of loan capacity. By leveraging multiple data sources, using credit analytics and machine learning algorithms, to predict your applicant’s cashflow and other capacity metrics can help optimise your credit risk and provide a more accurate picture of the SME;s creditworthiness. Resulting in higher approval rates and lower default rates.

Personalise your credit offers - Credit conditions can be optimized based on the borrower’s repayment capacity and preferences. Personalising the credit terms (repayment amounts and timing) to match the SME’s cash flow can reduce your credit risk and increase loan amounts.

 

The PARETIX Smart Credit Analytics (SCA) Platform is a complete AI-Driven underwriting solution, that includes:

  • Policy/decision engine

  • ML-driven scoring engine

  • Internal data model with predefined features

  • Predictive Cash flow features

  • Portfolio management dashboard

 

The Solution leverages traditional and alternative data sources, including Open Banking, Credit Bureau, Open Accounting, etc. to develop a bespoke credit scoring model that combined with predictive cash flow and your lending policy, will provide a personalised credit recommendation.

The Solution can be easily integrated into your existing credit origination flow and systems,
and be accessed in real time via the Paretix APIs.

 
 

WHY PARETIX

Bespoke models leverage your domain expertise and uniqueness to develop your own credit scorecard

AI Driven Credit Scorecard - Machine Learning Algorithms to constantly improve your model. No data scientist required

Rapid Implementation - Up and running in weeks

Your business expert has oversight on the algorithms and can challenge them (not a black-box)

 

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