Installment & Single Repayment Models
Optimized for unsecured loans, Installment ³§¾±³æ°³§³¦´Ç°ù±ðâ„¢ is a powerful score that yields optimized performance for installment lenders, offering an extremely accurate prediction on the risk of delinquency or default amongst customers or prospects.
Leveraging credit bureau data and alternative data, the Installment Six°Score scores more applications and evaluates more information than traditional credit-only risk scores.
REAL-LIFE, BOTTOM LINE IMPACT
Statistically Validated
Based on an aggregated analysis of nearly 3 million non-prime US borrowers spanning three distinct time periods, ºÚÁϳԹÏÍø found substantial lift for both 6 and 12 month performance horizons when compared to a leading industry benchmark score.
Key findings included:
• Up to 66.88% KS Lift
• Up to 33.26% Bad Capture (10%) Lift
• Up to 48.24% Gini Lift
• Up to 12.10% AUC-ROC Lift
• Over 2% more scores returned
• Consistently Strong, Stable Performance
REAL-LIFE, BOTTOM LINE IMPACT​
Statistically Validated​
Based on an aggregated analysis of nearly 3 million non-prime US borrowers spanning three distinct time periods, ºÚÁϳԹÏÍø found substantial lift for both 6 and 12 month performance horizons when compared to a leading industry benchmark score.
Key findings included:
• Up to 66.88% KS Lift
• Up to 33.26% Bad Capture (10%) Lift
• Up to 48.24% Gini Lift
• Up to 12.10% AUC-ROC Lift
• Over 2% more scores returned
• Consistently Strong, Stable Performance
THE SUBPRIME STORM
Credit Chaos in North America
Recent macroeconomic trends have led to the deterioration of consumer credit in North America. Record inflation rates, economic contractions, and general post-pandemic adjustments have hit subprime borrowers particularly hard. Installment loans are seeing an increase in late payments, with consumers who are at least 60 days delinquent seeing the largest increase — defaults are converging with pre-pandemic levels at an unexpectedly high rate. It’s this trend that has led many of our current partners to seek alternative and more-dynamic scoring resources for the current changing subprime environment.
THE SUBPRIME STORM
Credit Chaos in North America
UPLIFTING BORROWERS
Empowering Lenders
UPLIFTING BORROWERS​
Empowering Lenders​
CUSTOMIZED LENDING SOLUTIONS
Unparalleled Clarity
In addition to being highly predictive, ³§¾±³æ°³§³¦´Ç°ù±ðâ„¢ allows lenders to delve deeply into a borrower’s current financial background. Included in our platform is an extensive range of insights and ECOA-compliant reason codes for each score generated, as well as the ability to recommend loan and payment amounts for prospective borrowers tailored to a lender’s risk preference.
CUSTOMIZED LENDING SOLUTIONS​
Unparalleled Clarity​
