The Credit Scoring Service (CSS) is a managed service, where all APIs, scorecards, policy rules and strategy definitions are maintained within the system on behalf of clients.
This minimises the effort required to implement scorecards, policy rules and scorecard cut-offs.
We create a standard API layout which clients are able to call in order to enact scoring and decisioning. This data layout contains all of the variables that CSS requires in order to apply policy rules, calculate the application score, and to make an Accept/Decline/Refer risk decision.
CSS manages the disposition of applications and generates reports to provide insights and analytics for clients’ portfolios. Lenders benefit from the multiple features of CSS, as the system enables a rapid integration to grow over time with more sophisticated configurations.
CSS is designed to assist you in achieving your short and long term goals across all of your consumer and SME loans portfolios. With our solution, lenders are well positioned to offer an unparalleled customer experience at a lower processing cost. CSS provides clients with superior functionality and a rapid go-to-market for any new products.
Our solution has a roadmap for product evolution as your business needs evolve and your application volumes increase.