Scoring Engine
The use of a Credit Scoring model makes it possible for institutions to estimate the probability of a particular economic operator fully complying with the debt it intends to contract, thus translating its customer profile in a numerical rating used to assess the overall risk of the proposed transaction.
Orientation to the Bank's Model
The rules defined in the Scoring engine depend on the target or dominant business of the Financial Institution. Our solution features high flexibility of parametrization, thus enabling the Financial Institution to set rules based on the historical behaviour of the credit portfolio and internal strategy.
Ranking of the Proposal
The engine estimates the overall risk level of the proposed credit transaction. This risk ranking is obtained based on different customer and transaction features, each having a positive or negative impact on the final level of risk assessed for the proposal
Approval by Level of Decision
The characteristics of the credit transaction define the level of decision required for approval. This level of decision will be translated into a profile, group of users or user that may materialise the transaction.
Integration with
Core Banking
Integration with the Core Promosoft Financial Suite, thus enabling synergies in the implementation and maintenance, providing greater security and long-term robustness.
Automated Decision
Reduction of the decision time by automatic decisions or automatic referrals as per the parameters of the credit proposal.
Internal Policies
Internal policies with direct impact on the credit proposal and, subsequently, on the respective scoring assessed.
Structured information
Structured information on credit proposals with history.
Consistency and Robustness
Consistency and robustness in the Scoring analysis and assessments carried out.
Reduction of Subjectivity
Reduction of subjectivity in credit analysis.