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Products > Scorto™ Supervisor |
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Why should you trust your scoring models?
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If you buy or rent an off-the-shelf scorecard, how can you be sure that it suits your customer base, your credit policy, and your risk preferences?
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able to save if you could anticipate the changes in your
customer base or the marketplace? Scoring Supervisor automatically
analyzes several kinds of early warnings, thus
helping you avoid major losses and sales slumps. |
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Scorto™ Supervisor is a comprehensive,
Web-enabled reporting module that provides reporting functionality
for the Quest Logic decision server
and allows measuring the influence of the different internal
and external factors on the adequacy and stability of your credit
scoring system. The software also enables you to monitor any
actions, related to specific credit products or performed by
specific credit analysts and inspectors.
With Scorto™ Supervisor, you can perform the following tasks:
- Analyze the shifts and emerging trends in your customer base;
- Adapt your scoring models to new market situations, thus being able to prevent drastic losses;
- Make an objective performance and stability evaluation of all your running scoring models;
- Supervise the subjective decisions, made by your credit officers, including analysis of the quantitative reasons;
- Analyze the quality of your loan portfolio from the point of view of scoring rate;
- React in time to any negative trends, emerging in your portfolio or customer base.
For the performance of the above tasks, Scorto™ Supervisor provides three types of detailed reports:
- Front-end reports;
- Back-end reports;
- Additional reports.
Front-End Reports
These reports are intended for the evaluation of a scoring product from the point of view of its ability to react to external changes, such as changes in the borrower base that are caused by changes in the demographic situation in the region, migration of population, and so on. Scorto™ Supervisor provides the following front-end reports:
- System Stability Report;
- System Stability Trend;
- Report on the Characteristic Analysis of a Model;
- Complete Report on the Characteristic Analysis of a Model;
- Final Score Report;
- Override Report.
Back-End Reports
Back-end reports are intended for the monitoring of the influence that internal changes have on a scoring model. For example, it is possible to measure the adequacy of a developed scoring model by analyzing the available data on an existing delinquency. Scorto™ Supervisor module provides the following back-end reports:
- Delinquency Performance Distribution Report;
- Scoring Model Accuracy Report;
- Vintage Analysis Report;
- Delinquency Migration Report.
Additional Reports
Additional reports are intended for the monitoring of actions, related to a specific credit product or performed by specific credit analysts or inspectors. The Scorto™ software provides the following additional reports:
- Graph of Scoring Models' Use;
- Customer Service Dynamics;
- Dynamics of Selected Credit Inspectors' Performance;
- Dynamics of Selected Credit Analysts' Performance;
- Dynamics of Alert Generations According to Group;
- Dynamics of Good/Bad Customers (According to the System).
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