AUTOMATE OPTIMISE & PERSONALISE
YOUR CREDIT DECISIONS
The Challenge
Manual underwriting processes bear high operational costs with small ticket loans. Automating your credit decisioning process can dramatically reduce operational costs.
Microfinance often represents a high level of credit risk, which can translate into high default rates. Utilising credit analytics and machine learning algorithms,
can help optimise your credit scorecard and reduce your credit loss.
Microfinance borrowers often have limited financial literacy. Personalising the repayment terms to match their profile can significantly enhance the customer experience.
The PARETIX Smart Credit Analytics (SCA) Platform is a complete AI-Driven underwriting solution, that includes:
Policy/decision engine
ML-driven scoring engine
Portfolio management dashboard
The Solution leverages internal and external data sources, including MNO data & Mobile Wallet data, to develop a bespoke credit scoring model that combined with your lending policy, will provide a personalised credit recommendation.
The Solution can be easily integrated into your existing credit origination flow and systems,
and be accessed in real time via the Paretix APIs.
WHY PARETIX
Bespoke models leverage your domain expertise and uniqueness to develop your own credit scorecard
AI Driven Credit Scorecard - Machine Learning Algorithms to constantly improve your model. No data scientist required
Rapid Implementation - Up and running in weeks
Your business expert has oversight on the algorithms and can challenge them (not a black-box)
