Application scoring quantifies the risks, associated with loan applications, by evaluating the social, demographic, financial, and other data collected at the time of the application.
Application scoring facilitates customer acquisition decisions. Used in application processing systems, application scoring helps to automate the whole process of loan origination.
With Scorto application scoring solutions lenders are empowered to:
- make more efficient loan origination decisions;
- enhance control of risk exposure;
- automate borrower evaluation;
- expand your customer base without increasing credit risks;
- reduce your operational costs;
- decrease the time to make a loan decision;
- lets you easily adjust your accept/reject criteria.
Application scorecard development services, including special technologies to work with low-default portfolios or with small amount of historical data.
Application processing and decision management solution for retail loan origination – Scorto™ Loan Decision.
Easy-to-learn scoring model development software that allows you develop your scorecards in-house – Scorto™ Model Maestro.
Credit strategies and scorecard monitoring software based on OLAP – Scorto™ Behavia.
To improve your approval decisions even further, you can enhance your application scoring with Scorto fraud prevention and risk management solutions.
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