Loan Origination System
Portfolio Optimization Tool
Smart Retail Solution
Hotel Revenue Management
Big Data Analytics
Application Scorecard for Auto Loan
Application Scorecard For A Large Automotive Loan Provider In UK
Application scorecard for sub-prime customers.
Review and recalibrate scorecard.
Use insight data to improve alignment between underwriting rules and scores.
Data collation to align all variables from same time-period was carried out using R for analysis.
Customers classification using domain knowledge and statistical methods – Decision tree and cluster analysis.
Multiple scorecards each with superior performance than existing scorecard
All scorecards rescaled to have similar odds.
Scorecard as a linear function for easy integration with loan origination system
Reviewed underwriting rule and corporate reporting system and recommended changes.
Methodology for current scorecard not well documented
Scores not aligned with underwriting rules
Data in batches – Credit history, product information, loan terms in different files from different time periods
Performance available only for 8% TTD population who take up loan from 55% approval
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