Credit Decisioning Product

Our Credit Decisioning Product

Using its pre-built cognitive engine, CogniFrame powers credit decisioning for a variety of lending products including loans, lines of credit, mortgages and trade credit. It works with or without credit scores and is integrated with a number of banking solutions.

Our machine learning platform combines experimental data with multiple data elements provided by clients to deliver predictive analytics for real-time decision making. The platform uses proprietary machine learning algorithms to find anomalies and patterns based on historical and real-time data.

Being adaptive, its vastly superior to standard algorithm based models as it adapts constantly based on every approved, amended or rejected application, repayments, delinquency, etc. In addition, it supports the use of a variety of business rules including corporate objectives such as profitability, delinquency, growth, etc., including adjustment of interest rates to arrive at desired profitability values.

A number of loans are for small business purposes and hence involve both personal credit and business plan evaluations. Our platform has converted qualitative aspects into quantitative metrics that can be easily evaluated and scored, and the resultant value is used as part of the decision process leading to a holistic approach. We provide Dynamic Ratings for every loan customer, so banks are able to proactively manage potential delinquencies.

Our solutions are customized for each institution. We understand that everyone has their priorities, risk policies, tolerance and deals with different customer segments. Each therefore is unique. We combine this uniqueness with the learnings from the pre-cognitive engine to improve outcomes.

Why our Loan Decisioning Engine?

Our Machine Learning based platform offers a number of advantages to banks and lenders.

  • Adaptive Solution which is superior to standard algorithm models
  • Helps drive delinquency lower
  • Supports cost reductions (operational, transactional and write-offs)
  • Support for corporate objectives such as profitability, delinquency, growth, etc., including adjustment of interest rates to arrive at desired profitability values.
  • Customized for each lender profile
  • Supports Business Plan evaluation
  • Dynamic Ratings
  • Easy to implement
  • Quick Ongoing ROI - pays for itself by saving you money from reduced delinquency, operational cost savings and improved profitability

INSTANT REAL-TIME ANY TIME

In this age of social media and instant gratification should the loan decisioning process be from the last century?

ADAPTIVE

The CogniFrame platform is self- adaptive and ratings are dynamically changing constantly as new information is received unlike algorithm based models that are non-adaptive. Best of all, this obviates the need for manual intervention.

CUSTOMIZED

Our Solutions are customized for each institution to better reflect their risk policies and customer profiles. More risk, low risk or anything in between; we combine the learnings from your portfolio profile with our pre-cognitive engine to improve outcomes.

QUICK ROI

Our Solution pays for itself by saving you money from reduced delinquency, operational cost savings and improved profitability

Features

Adaptive Learning

Dynamic Risk Evaluation

Customized For Clients

Supports Multiple Users

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