Contacts

Scoring & Predictive Analytics

CRIF Scoring Models

Predictive analytics is the practice of extracting information from existing data in order to determine patterns and predict future outcomes and trends. It forecasts what might happen in the future with an acceptable level of reliability, and includes what-if scenarios and risk assessment.

Recognized by Gartner, CRIF's expertise is demonstrated by the development of numerous scoring projects across 18 countries, used to make hundreds of millions of decisions every year. Leveraging our Rating Agency experience, we provide comprehensive model development—from estimation and validation to the calibration of economic groups—ensuring a core competency in advanced rating systems.

Advanced Scoring & Model Management

CRIF provides a full portfolio of modelling tools and expertise, empowering everyone from beginners to advanced modellers to build, test, and manage predictive models. Our solutions distill complex data into actionable analytical interpretations to optimize any financial institution process.

  • Credit Bureau Scoring: Rank-orders consumers and enterprises by their likelihood to fulfill credit obligations.
  • Collection & Fraud Models: Targeted actions to maximize debt recovery and optimized controls to concentrate verification on high-risk cases.
  • Model Life Cycle: Comprehensive management including Trend, Stability, and Migration Analysis, with continuous recalibration.
  • Feasibility Studies: Advanced assessments such as Alternative Data Value Analysis and Custom Scoring Assessment.

The Augmented Power of Machine Learning Advanced Analytics and Machine Learning serve as a real aid in boosting the profitability of an existing portfolio. Unlike traditional methods, ML algorithms require minimal data preparation and are able to resolve complex problems through automated pattern recognition. This leads to high-performance models that maximize the value of all available sample information.

Integrated Solutions: StrategyOne & Sprint Predictive analytics is a key component integrated into our core platforms. A clear example is Sprint, CRIF’s Cloud-based Origination-Solution-as-a-Service, used by over 300 institutions. Sprint includes 70 pre-developed scoring models for personal loans, mortgages, credit cards, and business credit, demonstrating how integrated analytics lead to faster responses and consistent evaluation treatment.

Key Benefits

  • Enhanced Predictive Accuracy

    Machine Learning algorithms identify complex, nonlinear relationships within broad variable sets, offering superior performance and flexibility compared to traditional parametric models.

     

  • Operational Resilience

    Our noise-resistant models manage alterations in specific predictors without affecting overall performance, ensuring stability even in shifting data environments.

     

  • Regulatory & Basel Compliance

    Advanced internal rating systems (PD, LGD, EAD) encompass both quantitative and judgmental approaches to meet Basel and IFRS 9 requirements for corporate and retail portfolios.

     

  • Strategic Profitability

    Boost portfolio returns by attracting lucrative prospects and calibrating risk-based pricing to the specific profile of each customer, optimizing the institution's cost structure.

Financial & Sustainability Models