Practical AI
that drives results

Optimize Portfolio Performance

Optimize Portfolio Performance

Increase Underwriting volume while maintaining the risk level

Increase Underwriting volume while maintaining the risk level

Reduce Looses

Reduce Looses

 
Case Study

Non-Prime Automotive Lender

Implementation:

  • Established multiple predictive variables using new sources including credit bureau and income related information
  • Built new models using additional variables and explore different customer segmentation methodologies to score customers

Results:

  • Provided loan enhancement recommendations significantly improving yield and reducing losses
  • Drove a 26% increase in Deal/Asset capture
  • 80% improvement in bad loan detection
  • Average 3% increase in pricing accuracy per loan
Case Study

Major Retail Bank

Implementation:

  • Built predictive models that maximized collections via customer segmentation and targeting
  • Prioritized customers based on risk, likelihood to pay, and expected economic impact
  • Customized treatments based on enhanced segmentation

Results

  • 95% increase in conversion rates
  • $30-40 MM reduction in “charge-off” YTY