Credit policy rule optimization & consultation for a major Chinese Bank

The aim was to integrate CRIF best practices in risk management at home and abroad based on the rich dataset accumulated by the bank over time, and to design application approval policy rules specific to the client’s needs, integrating industry best practice. The project also aimed to design and optimize business credit application policies for customer onboarding, auto-approval, credit limit calculation, risk-based pricing, etc. on the basis of a scorecard developed by the bank, and to improve the overall efficiency of the credit decision-making process. The scorecard and credit approval policies were then implemented through the CRIF decision engine, StrategyOne.


CLIENT: A major Chinese bank

NEEDS: To redesign and optimize current credit policy rules, and automate credit decision-making process.

SOLUTION: With the development of a new scorecard and the use of StrategyOne, the client gained better control over credit risk and an accelerated credit management process.

RESULTS: A full set of optimized policy rules and new scorecard integrated into one automated decision engine, StrategyOne.

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