As well all know, the bank contributes to the improvement of everyone's well-being by enabling economic agents to anticipate future flows for the satisfaction of immediate needs.

​To meet this mission, a bank must be agile and ready to satisfy its customers and provide them with the financing they need as fast as possible.

 

RISK DATA according to its strong experience, offers assistance in the automation of the credit decision process: From the definition of the process to its implementation 

 

We offer  in addition, assistance in the management of credit risks (which in fact is the heart of the bank). here are some of our areas of expertise:

 

Scoring

It is a mathematical tool that quantifies the risk of non-repayment  of loan . In an automatic credit decision process, the scoring comes right after KO rules defined by Credit Expert.
It is based on the use of knowledge of past repayment  results and the distinguishing features of loans that was correctly repaid and loans in default. Scoring thus rationally exploits the database that the lender (financial institution) has built on its clients using proven mathematical and statistical methods, in order to assess their creditworthiness.

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recovery (debt collection) opimisation: Maximize recovery efforts. 

Recovery Score helps you focus your efforts on accounts where your chances of recovery are greatest

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fraud detection

its about using artificial intelligence to  detect fraud cases

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