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.

CRIF Decision Solutions develops custom models on the basis of the user’s in-house data as well as start-up models offering to organizations that do not possess sufficient historical records an opportunity to benefit immediately from predictive tools of proven effectiveness.

Using scorecards for application processing also enables organizations to acquire information about customers that can be used either to fine-tune the start-up model or develop a specifically tailored one.

• Application Scoring
  This is a fundamental support for the quantitative measurement of the risk associated with credit requests based on socio-demographic and economic data collected at the time of the application. Among the new features, a specific model for “atypical” customers has been developed by CRIF Decision Solutions, in order to consider the main features of new segments of demand and their correlation with the risk of default. The model provides an optimal decision-making support for a “time to market” action and allows to catch the business to quantify risk evaluation extracted from the information received at the time of the credit request; opportunities offered by specific segments of customers.
• Credit Bureau Scoring
  It can be effectively integrated with the application score. It summarises in a highly powerful risk prediction index the behavioural data of the individual, based upon the credit history information provided by EURISC, the CRIF credit reference database, providing significant support to the quantitative analysis of risk.