Get In Touch

Credit Scoring System

Enhancing decision-making process and profitability.

Credit bureau scores are a key part of banks and financial institutions risk assessment processes since they help improve the predictability of a credit risk-based decision. A credit bureau scoring system represents a powerful instrument to improve and enhance credit processes. It summarises all the information contained in the credit report of a person or business into a number of potential risk factors using the proven power of predictive analytics.

Our credit bureau scoring system is a powerful tool to widely support risk and credit management activities:

Mitigate losses and provisioning

Mitigate losses and provisioning

Stress testing

Stress testing

Credit fair value

Credit fair value

Risk appetite framework assessment

Risk appetite framework assessment

The CRIF Advantage

Our data-driven credit bureau scoring system provides an accurate, quick and clear evaluation of borrowers’ credit risk, which can be readily integrated into lending procedures. We have extensive experience in the credit industry and offer both ready-to-use, as well as customised solutions for your specific needs.

Key Features

Easy to understand

Easy to understand.

Rank-orders the likelihood of a future delinquency on the credit lines

Rank-orders the likelihood of a future delinquency on the credit lines.

Performs periodically all the necessary statistical analysis to check the model stability and performance over the years.

Performs periodically all the necessary statistical analysis to check the model stability and performance over the years.

Strong data quality activity on input data – this helps the Score in reducing the number of clients that require manual review and increasing the number of prospects.

Strong data quality activity on input data – this helps the Score in reducing the number of clients that require manual review and increasing the number of prospects.