FCRA-Compliant Decisioning from Lead to Loanâ„¢
CMO
Step 1
Lead Sourcing and Screening
Leads that Count for Marketing that Paysâ„¢
- Generate, filter, and score potential applicants for targeted marketing, aligning your underwriting & marketing criteria to achieve a low cost per conversion.
- Use Credit Bureau+â„¢ by ºÚÁϳԹÏÍø’s proprietary data to build a pool of potential applicants with higher response and higher approval ratings.
- We partner with mailhouses to directly execute campaigns and campaign result analyses.
CRO
Step 2
Loan Decisioning
More Originations. Less Defaults.
- We pull data from thousands of different data points and input it into our artificial intelligence and machine learning models- giving you the most accurate results possible.
- Credit Bureau+â„¢ by ºÚÁϳԹÏÍø is able to optimize ROA and RLA to your business strategy and underwriting preferences.
- With our platform, we are able to target any specific needs or challenges with lending including raising profit margins, lowering defaults, and increasing originations.
Step 3
KYC, Identity & Fraud
Know Your Customer, Grow Your Book
- Real-time, to the minute KYC information including name, address, institution, and more for identity attribute verification.
- Verification of income and employment services validate income frequency and amounts.
- Available mobile app, Smart Consentâ„¢, to collect KYC and check fraud attributes, then prefill the loan application reducing consumer friction.
CFO
Step 4
Securitization
Optimized Insights for Optimized Book Value
- Analytics across the entire loan lifecycle for performance management.
- Accuracy and fidelity to identify undervalued tranches to optimize securitization strategy and negotiations.
- Beat the conventional scores and find the over & undervalued loans to optimize your securitization negotiations.
FCRA-Compliant Decisioning from Lead to Loanâ„¢
CMO
Step 1
Lead Sourcing and Screening
Leads that Count for Marketing that Paysâ„¢
- Generate, filter, and score potential applicants for targeted marketing, aligning your underwriting & marketing criteria to achieve a low cost per conversion.
- Use Credit Bureau+â„¢ by ºÚÁϳԹÏÍø’s proprietary data to build a pool of potential applicants with higher response and higher approval ratings.
- We partner with mailhouses to directly execute campaigns and campaign result analyses.
CRO
Step 2
Loan Decisioning
More Originations. Less Defaults.
- We pull data from thousands of different data points and input it into our artificial intelligence and machine learning models- giving you the most accurate results possible.
- Credit Bureau+â„¢ by ºÚÁϳԹÏÍø is able to optimize ROA and RLA to your business strategy and underwriting preferences.
- With our platform, we are able to target any specific needs or challenges with lending including raising profit margins, lowering defaults, and increasing originations.
Step 3
KYC, Identity & Fraud
Know Your Customer, Grow Your Book
- Real-time, to the minute KYC information including name, address, institution, and more for identity attribute verification.
- Verification of income and employment services validate income frequency and amounts.
- Available mobile app, Smart Consentâ„¢, to collect KYC and check fraud attributes, then prefill the loan application reducing consumer friction.
Step 4
Servicing & Collections
Following Your Borrower for Analytics that Follow Through
- Turn market volatility into an asset with our dynamic machine learning and rescoring to ensure lending decisions remain profitable.
- Predictive analysis and recommended steps the Borrower can take for communication or actions for missed/late payments.
- Ensure informed decision making for fluctuating customer employment information to ensure refinancing options lead to a win-win.
CFO
Step 4
Securitization
Optimized Insights for Optimized Book Value
- Analytics across the entire loan lifecycle for performance management.
- Accuracy and fidelity to identify undervalued tranches to optimize securitization strategy and negotiations.
- Beat the conventional scores and find the over & undervalued loans to optimize your securitization negotiations.
WHAT MAKES US, US
Dynamic and Expandable
ºÚÁϳԹÏÍøs’ patented methods are infinitely expandable and customizable, allowing you to adapt over time as your business and industry change. Harness the power of our FCRA-compliant platform, with immediate and responsive versatility.
- Compliant and ranked AI/ML expandability
- Automate credit decisioning with Credit Bureau+ with our easy to integrate platform
- Work across an infinite number of industries and use cases with our full suite of products
- Incorporate your lending rules seamlessly to find Hidden Primesâ„¢ under your conditions
WHAT MAKES US, US
Score Thin-files & Credit Invisibles
Get predictable results. Our credit scoring machine learning models aren’t just based on your data. We also use consented consumer data plus ºÚÁϳԹÏÍø proprietary data.
I. You get the data trifecta, big data for automated loan underwriting
II. You get models that are dynamic and adapt with your needs
III. You can assess credit-worthiness with banking, mobile and more data
