Auto Models
At ºÚÁϳԹÏÍø, we use patented machine learning models, our powerful technology platform, and traditional, alternative, and proprietary data to help borrowers quickly find hidden opportunities, properly evaluate risks, and provide competitive pricing in real time to win deals and increase conversions.
ALWAYS THE RIGHT DEAL
Not Just
Borrower Risk
The economic landscape is becoming increasingly unpredictable, and auto loan delinquency rates are increasing to pre-pandemic levels at an unexpectedly high rate. It’s more important than ever for lenders to ensure that both they and their clients are making the right deal. This poses unique challenges for both direct and indirect lenders when it comes to making underwriting decisions. It’s not just about assessing borrower risk, but also considering the vehicle, the deal structure, and the effectiveness of the collections process and skip-tracing efforts.
ALWAYS THE RIGHT DEAL
Not Just Borrower Risk
COMPLIANT BIG DATA
Extensive Insights
COMPLIANT BIG DATA
Extensive Insights
ºÚÁϳԹÏÍø’s innovative and patented platform, whichÌýcompiles thousands of real-time data sources, provides lenders with a faultless approach to the underwriting process. By utilizing our extensive range of insights and ECOA-compliant reason codes, ³§¾±³æ°³§³¦´Ç°ù±ðâ„¢ allows lenders to delve deeply into a borrower’s current financial background. In addition,Ìýour platform utilizes a lender’s risk toleranceÌýto provide recommended loan and payment amounts, optimizing the lifetime value of each borrower. Our clients have seen results, including an increase in earnings by 18.8% in the first 24 months of platform use.
GET HIGHER APPROVAL RATES
Pre-Screening & Direct Marketing
By Q4 2023, the US auto loan market is expected to have grown by 7.4%, presenting a large number of potential new clients that can be easily acquired with our pre-screening and direct marketing platform. By using ³§¾±³æ°³§³¦´Ç°ù±ðâ„¢ to align marketing and underwriting criteria, you get high approval rates among responding prospects. Our propensity model evaluates a large prospect list, which is then further optimized to determine a final campaign list. We also work directly with mailhouses to make the process effortlessly seamless while conducting A-B testing and campaign analysis.Ìý
GET HIGHER APPROVAL RATES​
Pre-Screening & Direct Marketing​
NO NEED TO RIP AND REPLACE
Workflow Integration
NO NEED TO RIP AND REPLACE​
Workflow Integration​
With workflow integration, so there’s no need to scrap your existing platform.ÌýWe integrate our technology into your existing LOS/LMS, regardless of programming languages. This ensures a smooth and simple activation of our platform, allowing for almost instantaneous business growth.
