To output an ordered score which would discriminate the potential good accounts (accounts which have high likelihood of regular repayment) from the bad accounts (low propensity to repay) for the current and early delinquent (bucket 1 i.e.<30 DPD and bucket 2 i.e. <60 DPD) accounts. These scores were to be used for prioritization of collection actions/ efforts.
To develop an effective, easy to use auto loan credit assessment tool for a big auto dealership. In case of risky applications, the tool should be able to suggest ways to cover the credit exposure (e.g. higher down payment, high interest rate etc.)
Develop a default prediction scorecard solution to identify the predict the defaulters at the time application for loan.
To develop an easy to use statistical tool that scores active accounts in the portfolio on their propensities to default in the coming billing cycle.
In last couple of year our clients launched a number of products targeting different Consumer segments and geographies. Riding on the popularity of a couple of path breaking products, they have seen an unprecedented sales growth in last couple of years across the product.