Credit Scoring

The tools for automatic scoring, rating and creditworthiness assessment of the borrower, built-in credit conveyor, contribute to significant time reduction for loan application evaluation and accelerate the decision making process with regard to credit granting or refusal. This increases the capacity and speed of the credit conveyor, resulting in sales growth of credit products.

DeVision-FS «Credit Scoring» automates the calculation of borrower's scoring assessment, thus ensuring quick, fair and objective estimate of risk level of loan default, as opposed to subjective evaluation methods, based on expert opinion of bank's credit employees.

DeVision-FS “Credit Scoring” enables to independently configure and administer the unlimited number of scoring models. For each credit product it is possible to customize several individual scoring models, corresponding the different variants of bank's credit policy, for instance, targeted to different risk levels, different profitability levels or focused on various customer segments. Bank employees can proactively manage and switch the scoring models in credit conveyor, from more strict to less strict and vice versa. Thus, in real time, the risk managers can adjust and regulate the credit risk policy, based on the existing market situation and current goals of the bank.