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Credits Modelling

Credits Modelling is the basic practice of assessing the creditworthiness, reputation or engagement risk attached to an individual or a collection of beneficiaries.
With Finscale Artificial Intelligence, most Credit Modelling is an automated use case with few exceptions of flagged edge cases requiring human intervention - approvals or rejections.
CREDIT SCORING, PRICING AND RISK RATINGS:
Component
Feature
Description
Secondary Description
Credit Scoring Engine
Credit Scoring automation
Determine chances a borrower will fail to make a payment on a loan and identity credit risk, credit score
Ability to generate a credit score based on business rules
Pricing Engine
Pricing with Interest
Determine a loan offer for an eligible borrower based on dynamic Risk category, explicit Interest, Principal Range, amortization structure
Ability to create a loan offer based on configured System Administration
Pricing Engine
Pricing with Charges
Ability to post, reconcile or map fees to loan offers at entry point from LMS
Ability to associate Fees with Loan offer based on configured System Administration
Risk Rating
Risk classification framework automatiom
Determine lending risk buckets associations with loan portfolio distributions
Ability to tag Risk buckets based on configured dynamic Risk categories in System Administration
DATA MODEL RULES:
Feature
Description
Run workflows to automatically underwrite and verify applications
Ability to run workflow scenarios based on System Administration mappings
CREDIT MODELLING MEMO:
Component
Feature
Description
Secondary Description
CREDIT MODELLING MEMO
Loan modelling: Dynamic Risk Assessment
Determines if a beneficiary's unique credit application is an acceptable risk.
Model assesses the beneficiary's ability to repay the credit based on an analysis of their credit, capacity, and collateral.
System Administration: Dynamic Score Card Generator:
Design and Setup Score card components for Credit modelling and risk indicators
provides ability to create, delete, update and read Eligibility Index, based on multiple factors
provides the ability to create, delete, update and read the Stability Index, based on employment tenure & employment type factors
provides the ability to create, delete, update and read the Affordability Index, based on income factors such as DTI, existing loan liabilities, LTV etc
provides the ability to update and read externally managed Credit Reporting System Data such as Experian, CRIF etc.
provides theAbility to create, delete, update and read Character Index: Social Capital
provides theAbility to create, delete, update and read Character Index: Social Media
provides the ability to create, delete, update and read Alternative Assessment Index: Expense Assessment & Spend analysis: Spend management by tracking spending patterns of individuals, with saving suggestions and financial advice for ROI
provides the ability to create, delete, update and read Alternative Assessment Index: Income Tax Assessment
provides the ability to create, delete, update and read Alternative Assessment Index: Financial Statement Assessment
provides the ability to create, delete, update and read the Historical Behaviour Index: Repayment Behaviour for Reschedule and Refinance
System Administration: Business Rules for Lending:
Workflow Components of Loan Products Lifecycle Events other than standard events such as Approval, Underwriting, Disbursal, Closure
provides the ability to create, delete, update and read loan lifecycle events and branches of loan lifecycle events
Screening and filtering criteria based business rules for Loan Underwriting: Pre Screening or Eligibility Analysis
provides the ability to create, read, update and delete screening business rules in a graphical approach
provides the ability to create, read, update and delete weightage to different screening criteria
provides the ability to create, read, update and delete validation and restrictions in screening criteria in a graphical approach
Define Risk Categories for Lending (Risk rating)
Ability to create, read, update and delete Risk Categories definitions
Ability to create, read, update and delete Risk Categories mapping to specific Users
Ability to create, read, update and delete Risk Categories mapping to Loan Products
Ability to create, read, update and delete Risk Categories mapping to dynamic Score Card
Ability to create, read, update and delete Risk Categories mapping to Loan Portfolio management
System Administration: Portfolio's Risk Management
Definining Segmentation for Portfolio's Risk reporting, compliance and internalization, identification of Risk drivers, triggers
Generator for borrowing products including interest rates, maturities, amount, etc.
Generator for creating sectors or industry types for lending
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