Machine Learning for Credit Risk

Managing credit limits effectively can help financial institutions maintain a healthy, profitable credit card portfolio. Proactively increasing credit limits can enhance your ability to provide excellent customer satisfaction and drive higher revenue.

Lenders can strategically implement proactive credit limit increases to:

• Increase interchange income
  
• Generate additional interest income
  
• Enhance wallet share
  
• Reduce customer attrition
  
• Improve customer experience

Proactive credit limit increases give customers access to more credit, which can positively impact their financial health and help you drive business growth.

Lending institutions can gain an edge on the competition by determining what happens when a loan gets booked elsewhere. With loan loss analysis, lenders can learn more about where these lost loans are booked, the average loan amount, the interest rate, the loan term length, and the average risk score.

Analyzing this information can help lenders:

• Improve lead quality
  
• Target the right consumers
  
• Acquire more high-quality loans
  
• Increase cross-sell opportunities

Relying solely on traditional credit scores can leave you with a limited view into consumers’ financial stability.

See how integrating alternative data can help you:

• Identify more qualified borrowers
• Spot potential risks
• Strengthen portfolio performance

Even in an uncertain economy, lenders can drive sustainable growth by leveraging cashflow data.

Learn how cashflow data can help lenders:

• Expand market reach
• Uncover distinctive insights
• Improve predictive accuracy