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Portfolio Management
Effective management of credit portfolios requires the integration of regulatory with managerial and operational aspects.

Thanks to its skill and know-how, developed on an international level, and its ability to interpret and satisfy specific market needs, CRIF has been chosen by many financial institutions as a partner in the re-definition of strategies and the re-engineering of credit processes. In addition, CRIF solutions are strengthened by the services of Data4Value, a company specializing in micromarketing, regional marketing and geologistics.

The range of CRIF's information solutions, decision-making support systems and consultancy services allow  financial institutions to fully exploit their own wealth information databases and to implement active customer management, through the dynamic definition of risk control and portfolio development activities.

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Eurisc Scout  

The solution which allows you to explore the value within your customer portfolio
CRIF Market Report

The CRIF report which provides relevant business benchmarking information
Perform

The CRIF Credit Bureau Score maximizes the value of information contained in EURISC by exploiting the predictive power of a wide and heterogeneous set of variables.
Operational Risk Advisor Operation Risk Advisor 

The solution for rapid, integrated customer monitoring
Data4Value  

Data Management Solutions
CreditFlow Reporting  

The business intelligence solution for CreditFlow users
Portfolio Explorer  

Portfolio Explorer is the solution to monitor every client category: consumers, households, companies. It can be adapted to Credit Companies specific needs.
Business information monitoring Protests, prejudicial events and Business Register
Creditminer.it  
Creditminer.it is the web service that provides dynamic and multi-dimensional reports on the institution's customer portfolio characteristics, the credit policies implemented in branches and the performance of the scoring models used.
Marketmanager.it  
Based on unique and constantly updated information, Marketmanager.it is the geographical analysis service which enables you to take a structured approach to strategic planning in the retail credit market, by assessing the quality of the credit market, your positioning and the potential for development within a given territory.
Eurisc Total Value
 
The innovative CRIF solution for the assessment and monitoring of each customer segment - consumers, households and businesses - tailor-made to the specific requirements of the credit institution.
Scoring Models for portfolio management

From the standpoint of an efficient reengineering of all decision processes, CRIF Decision Solutions’ credit scoring models allow the definition of a more objective, consistent credit policy and better management and communication with the commercial network. Marketing scoring models serve as a valid aid in boosting the profitability of an existing portfolio and attracting the most lucrative prospects.
MarketLeader MarketLeader 
The MarketLeader suite integrates in a common on-line "environment" services and solutions directed to prospect custorners acquisition and customer portfolio development through services that operatively support banks and financial institutions in achieving their own marketing goals.
StrategyMiner  
Strategy Miner is a multi-dimensional analysis and reporting instrument developed for users of the decision-making engine StrategyOne. StrategyMiner allows convenient and effective control of customers portfolio as well as decision-making policies.
StrategyOne StrategyOne 
StrategyOne is a consolidated, 360° business rules management platform enabling your organization to identify the right targets, increase customer loyalty, boost sales and profits, manage risk and implement business and regulatory policies and procedures. 
Business information on companies, people and real estate CRIF supplies all the official information from the Chambers of Commerce, Courts and Land Registry Offices located throughout the country.
Internal Rating Systems According to Basel II requirements, CRIF Decision Solutions provides internal rating systems with methodology and tools which enable banking and financial institutions to optimize resource allocation and maximize profitability.
Skyminder  
Skyminder (www.skyminder.com) provides detailed and up-to-date public information via the Internet on global markets and on 50 million companies in 230 countries, including information from international providers and local sources.
Strategic Card Management Strategic Card Management Logo 
Strategic Card Management is CRIF Decision Solutions' consulting unit specialized in payment and consumer credit systems which offers flexible and modular solutions for the credit card sector, and in particular for revolving cards.
CMS Pool Closed User Group Information Exchange
Stress Testing CRIF Decision Solutions, in cooperation with a highly qualified Tor Vergata University research team, carried out the development of Stress Testing Models specifically fitted for the Italian Retail Market to allow banks and financial institutions to evaluate the Probability of Default (PD) change in connection with different economic scenarios and to consequently estimate the effect on the Supervisory Capital.
Dealerview.it  
Dealerview.it offers a complete and integrated range of solutions designed to support the strategic management of dealers: from planning to business development, assessment and monitoring to the analysis of your dealer network performance compared with competitors.
Sonar

Sonar is a solution to improve and develop the activity of financial promoters. Through rigorous statistical analysis, the service gives a score evaluation to the behaviour of promoters and identifies any eventual anomalies, on the basis of criteria that conform to current norms and indicators supplied by the Supervision Code of the Assoreti (the Italian association that groups financial and banking institutions selling products using financial promoters' networks).
CRIBIS Teleservice - Outbound  

Outbound Services
DANTE  

Development of Analytics and Technology
Crif Gate

The Crif Gate dashboard software was developed by CRIF to help in acquiring information from external sources and integrating it with the lending institution’s information system.
Zone Score

Zone Score is the Data4Value suite of geo-marketing solutions which exploits the potential of regional data to reach its target market thanks to quick, precise and effective segmentation.
Eurisc 2.0

EURISC 2.0 is an innovative solution from the CRIF Credit Reporting System, which is available to banks and financial institutions to enable them to respond ever more effectively to business challenges in a new era of credit.