Borrower Creditworthiness Assessment System (Scoring::eCSpert)

 

Scoring::eCSpert comprises an end-to-end solution intended to build an automated credit scoring and to manage credit risk of the retail loan portfolio.

Principal Functions of the System:-

  • The credit score of a separate borrower including in the event of insufficient length of credit history (building a scoring map from questionnaire parameters);
  • Quality control of the scoring model used and model adaptation upon change in economic environment;
  • The selection optimal parameters of a loan product from the perspective of risk management and lending profitability;
  • A dynamic change in limits and debt scoring;
  • Uniform loan portfolio management (bank's loan portfolio segmentation, advices on management);
  • Capital allocation amongst lending programs of the bank and the regions of its presence;
  • An in-depth analysis of the client base;
  • The analysis and projection of the indicators of development of the regions of the bank's presence for a more accurate risk management and loan portfolio profitability management.

Scoring::eCSpert Additional Advantages:-

  • Flexibility and adjustability;
  • Scoring map import/export;
  • Calculation result storage - ability to analyze additionally for any point of time;
  • Integration with CS software products (the computation of figures for Credit::eCSpert, eFOUR, ability to work with the data of ABS B2 base);
  • Ability to work with third party databases.

Planned Extension of Scoring Methods within the System:

  • Statistical scoring (in the event of sufficient length of credit history);
  • Behavioral scoring (the assessment of probability of the whole or partial repayment in the event of failure to repay when due);
  • Model quality control and management (the assessment of effectiveness of scoring model work in the process of operation or building);
  • An in-depth analysis of the client base (the diversification of the set of reports and the creation of dynamic reports).
 

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