Anticipate risk with the predictive borrower insight
Understand, control, and lower risk to uphold profitability with credit monitoring, reducing the need for collections, enabling data-driven engagement, and uncovering new opportunities.
Customer management is reactive
Lenders lack predictive visibility into borrowers at-risk. With limited options, lenders employ reactive, depersonalised approaches in response to missed payments.
As cost-of-living pressures continue, along with new regulations setting higher standards in consumer protection, the market demands better outcomes.By evolving from reactive to proactive customer management, lenders can reduce risk and better serve borrowers.
Driving impactful outcomes for all
Our comprehensive approach empowers proactive identification of potential payment risks by combining origination and post-origination data, including liquidity analysis when available.
Our intelligence shapes targeted actions aligned to each borrower's financial situation, lowering portfolio risk and minimising the need for collections.
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Reveal the full picture behind financial health
We explore beyond surface data to uncover contextual insights into borrowers’ financial status and behaviours.
Our proprietary analytics model, comprehensive flag set and forecast can interpret complex signals and payment patterns to provide a deeper understanding of individual circumstance.
Foresee emerging risks before payments are missed
Our unique predictive capabilities see us accurately forecast potential liquidity risks and future missed payments by ingesting and enriching available lender data.
By analysing data patterns incorporating factors and scenario analysis, we can highlight probable issues early through risk flags, giving you timely warning to take preventive action.
Support borrowers at-risk with personalised treatments
We continually analyse post-origination features post-lending, pre-arrears to surface relevant, personalised treatments designed to keep borrowers engaged and on track.
We suggest customised actions like payment holidays or adjusted terms to serve each borrower, delivering better lending performance and better outcomes.
Bridging the data maturity gap
Discover how our powerful monitoring features can add value by analysing and enriching available data sources to unlock better customer outcomes
| Credit | Credit + Refresh | Credit + Refresh + Transaction | |
|---|---|---|---|
.svg) Refresh Frequency | Quaterly | Monthly | Daily |
Strategic Reviews | Quaterly | Monthly | Monthly |
Historic Review |  (72 months of credit data) | (72 months of credit data) | (72 months of credit data + 12 months of transactions) |
Flags | Basic | Enhanced | Enhanced |
Forecast | .svg) | | |
Scores | Basic | Enhanced | Enhanced |
Validate | | | |
Scenarios | Basic | Basic | Enhanced |
True Affordability | | | |
Triggers | Basic | Basic | Enhanced |
Cohorts | Basic | Basic | Enhanced |
Dashboards | | | |
Advanced Categorisation | | | |
API Access | | | |
