CarCredit

CarCredit is an end-to-end Credit Risk Solution aimed at providing an assessment based on a client’s credit rating. The solutions utilises extensive bureau data and credit scoring to enable risk (good vs bad), limit setting, pricing and product selection (buy vs lease).

We are affiliated with major credit institutions and have the ability to provide a live solution or a broader batch solution for large volumes of applications. The solution consists of:

• Enriched Consumer data allowing for better understanding of potential customers.
• Credit Scoring Models to provide an unbiased and consistent risk decision.
• Affordability assessment calculations to ensure customers can meet their obligations.
• Credit Policy Rules to ensure able business is done with the correct exclusion rules.
• Credit Risk Consulting to support your business in:
• Limit Setting – providing the optimal loan value based on risk and affordability
• Pricing – risk based pricing model to ensure higher risk customers are catered for.
• Buy vs Lease – based on risk outcomes, down-sell or up-sell could be managed from own vs lease agreements.
• Custom model building – based on unique characteristics custom models can be developed to cater for business needs such as different customer segments