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Customer Onboarding

Advanced Analytics

Empowering value creation through Advanced Analytics

What are CRIF Advanced Analytics?

CRIF brings together a distinctive combination of industry expertise, risk management experience and a proven track record in advanced analytics. This combination empowers value creation through efficient data management and modeling.

 

CRIF delivers expertise in relevant regulations, industry insights, specialist data management skills, and extensive experience in advanced analytics in terms of climate-related risks, ESG, business growth, fraud prevention, credit risk mitigation, anti-money laundering, pricing sophistication, forecasting and location intelligence, among others.

Key Benefits

  • Lower risk for new business and fewer manual reviews

    Automated, data‑driven analytics improve onboarding accuracy and reduce the need for manual case reviews.

  • Reduced cost of risk through alternative data

    Alternative and non‑traditional data strengthen risk models, enabling more precise evaluations and lowering overall risk costs.

  • Higher recovery rates

    Predictive models optimize recovery strategies, increasing collection effectiveness and reducing losses.

  • Lower RWA density and decreased ECL

    More accurate risk differentiation improves capital efficiency, reducing RWA and Expected Credit Loss while staying compliant.

  • Full climate‑risk coverage aligned with key regulations

    Integrated climate‑risk analytics ensure complete exposure assessment and compliance with evolving ESG regulatory standards.

Success Stories

How we helped our clients unlock their potential

  • Advanced Analytics for origination process

    New scoring models developed using traditional methodologies, enriched knowledge through open banking data, ML-based credit policies design, aiming at reducing the manual review area while letting the traditional model still manage the majority of rejection cases.

    • Advanced Analytics
    • Open Banking

    -6%

    Manual application review

    +10 points

    Automation level

  • Improve PD Estimation with Bureau Data

    For a Tier 1 Bank in Italy.
    Integration of CRIF Credit Bureau data in existing dataset used by the customer and calculation of the resulting Gini index thanks to the combination of multiple data sources.

    • Analytics Consulting
    • Credit Bureau Data

    +250bps

    Gini Index improvement for SME Retail segment

    -89bps

    RWA density for SME Retail segment

    +230bps

    Gini Index improvement for Sole Traders segment

How do Advanced Analytics work?

Main Features

Advanced proprietary Machine Learning and AI models that combine internal information with high‑quality external data sources to enhance predictive power, improve accuracy, and support faster, data‑driven decisions.

Comprehensive processes that validate, normalize, and enrich data from multiple sources, ensuring consistency and completeness while strengthening portfolio analysis and overall data quality.

A scalable, secure, cloud‑native architecture supported by a robust data model, enabling high performance, seamless integration, and efficient processing of large data volumes.

Interactive dashboards that provide real‑time visibility into key metrics, trends, and risk indicators, empowering teams with immediate insights to optimize strategies and decision‑making.

Discover CRIF's solutions for customer management

Customer Management

Categorization Engine

Customer Management

Analytical Platform