The Scorto solution enables quick and efficient development, validation, and deployment of credit rating models and credit scoring models (scorecards) using the broadest possible range of credit scoring modeling techniques, including expert modeling, logistic regression, decision trees, and neural networks.
As a part of the solution Scorto offers development of custom rating and scoring models based on historical in-house data as well as our special (and proven) approach to develop start-up models for lenders that do not possess sufficient historical data.
The solution consists of four parts and backed up with professional services to ensure a smooth and problem-free project flow.
Personal Loans, Credit Cards, Auto Loans, Mortgages, SME Loans, and any retail credits.
Why you need it
To quantify your risks, increase customer base, reduce the number of bad customers and increase the profitability of retail customers, internal scorecards are your means to success.
To gain a strategic advantage by extracting from your historical customer data as much information and usefulness as possible. This will allow you to guide your customer-centric decisions more effectively.
Credit granting, customer management, debt collection and portfolio management decisions can be improved tremendously with internal scorecards.
Internal Ratings Based (IRB) approach of Basel II requires in-house scoring models development and monitoring
Reduces resource requirements and easy to manage: use a single tool set and centralized, standardized approach for all credit products and for all scorecard types.
Based on your historical data and thus created for your particular case. Special software editions can be promptly created for you exclusively.
Supports all proven scorecard development algorithms: regression, decision trees, neural networks, expert approach.
