Behavioural Credit Risk Scoring
We grew too quickly. Now we do not have the human resources to manage our customers development and risk.
Client’s CEO
Client Need
Our client – a non-banking financial institution experienced significant exponential growth in the first two years on the market. Now a problem has emerged that money is distributed to the loan-holders but company’s human resource is not able to manage them properly. Furthermore, the support centre is suffering to target the right customers with their campaign and time and money is being progressively wasted.
Our Approach
A bespoke behavioural probability of default scoring model was developed. This, used as a stepping-stone, was integrated into a customer limit increase campaign management strategy.
The Solution
A full behavioural risk profile was achieved with the scoring solution. Additionally, the up-sale limit increase strategy was based on the scoring solution and along with a couple of more criteria created an automated CRM tool. This increased highly both support centre effectiveness and efficiency.
Results
Transparent and flexible solution;
Increase in customers accepted the offer by 30% – efficiency;
Significant increase in the portfolio while managing the risk;