Credit scoring systems that make faster, fairer and explainable lending decisions
Scorecards and machine learning models using bureau, bank statement, transaction and alternative data, with a clear reason behind every score.
Many good borrowers have thin credit files. Many risky ones look fine on paper. Better scoring lets lenders say yes to more of the right customers and no to more of the wrong ones.
Our credit scoring systems combine:
- Bureau data through integration with credit bureaus where available.
- Bank statement and transaction data to assess real income, spending and stability.
- Alternative data such as wallet activity, bill payment history and employment verification, used with consent.
- Affordability checks that test whether repayments are realistic, not just whether the applicant is likely to pay.
Scores come with reason codes, so credit officers and customers can understand decisions. Models are monitored for accuracy, stability and fairness, and recalibrated as your portfolio grows.
Key features
Available as a branded, customised build or as an off-the-shelf licence.
- Application scorecardsStatistically built scorecards for new applicants.
- Behavioural scoringOngoing scores for existing customers to guide limits and top-ups.
- Bureau integrationAutomated credit bureau requests and parsing.
- Bank statement analyticsIncome, expenses, gambling, bounced items and stability indicators.
- Alternative data modelsWallet, telco, utility and transactional data used with consent.
- Affordability engineDebt-to-income and disposable income checks against policy.
- Reason codesClear explanations for each score and decision.
- Champion and challenger testingTest new models against current ones on live traffic.
- Model monitoringStability, accuracy and fairness metrics with alerts.
- Decision APIReal-time scores returned in milliseconds to any channel.
Reports and automated email reporting
Reports run on schedule and land in the right inboxes as PDF or Excel, with live dashboards for anyone who needs the detail.
- Score distributionApplicants by score band and approval rate.
- Bad rate by score bandDefault performance to validate cut-offs.
- Population stabilityShifts in applicant profile that may affect accuracy.
- Override analysisManual overrides and their outcomes.
- Model performance packMonthly report on discrimination, calibration and fairness.
Questions about credit scoring systems
Can you build a scorecard with limited historical data?
Yes. We start with expert rules and alternative data, then build a statistical scorecard as performance data accumulates.
Are the scores explainable?
Yes. Every score includes reason codes showing the main factors, which supports fair treatment and regulatory review.
Is customer consent required for alternative data?
Yes. Our systems record consent before accessing alternative data sources and respect data protection rules.
Works well with
Lending and loan management
Applications, credit decisions, disbursement, repayments, collections and portfolio reporting.
Learn moreAI and automation
Document extraction, AI assistants, forecasting, anomaly detection and intelligent workflows with human oversight.
Learn moreFinancial transaction monitoring
Real-time AML and fraud rules, screening, risk scoring, case management and regulatory reports.
Learn moreReady to put the right software to work?
Tell us how your business runs today. We will show you what can be live this week, and what a bespoke build would look like.