Credit models 2022-05-19
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Faster lending with credit modeling.
Generated by ChatGPT is an integrated, end-to-end, AI-powered credit modelling solution that enables smarter, faster, and more inclusive lending. The tool allows you to build high-accuracy credit models quickly within minutes, reducing risk and saving cost.

It comes with an AI-led SaaS platform that helps you build, validate, and deploy performance-oriented credit models across the full credit lifecycle of applications, behavior, and collections. tool offers three types of scorecards for credit risk management, including application scorecards, behavior scorecards, and collection scorecards, each designed to assist in minimizing risk and maximizing collections.

The AI algorithms integrated into the platform help you build, validate, and deploy sharper credit models that enable you to approve more loans with less risk.

The platform is transparent, fair, and explainable, allowing full control over the decisions made. It operates on five core principles of accuracy, speed, transparency, adaptability, and inclusiveness, making it work seamlessly with the data, workflows, and systems you already have.

The solution has been trusted by banks, fintech lenders, SME lenders, BNPL players, and credit bureaus worldwide. The tool has achieved significant results, with over 25% increase in approvals, 15% decrease in loss rates, and a 20-points increase in GINI.'s clients can help more customers with more accurate predictions of creditworthiness, providing for better and more inclusive lending practices.

Overall, this tool is a cost-effective, time-saving, and innovative solution for credit risk management in today's fast-paced lending environment.


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Finbots was manually vetted by our editorial team and was first featured on April 7th 2023.
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Pros and Cons


Build credit models quickly
High-accuracy credit models
Validates and deploys models
Addresses full credit lifecycle
Three types of scorecards
Minimizes risk, maximizes collections
Enables more loans with less risk
Provides full control over decisions
Integrated, end-to-end solution
Works with current data, workflows, systems
Promotes inclusive lending
Significantly increase in approvals
Reduction in loss rates
Increase in GINI
Better creditworthiness predictions
Trusted by fintech lenders, banks
Collection scorecards for debt recovery
No coding required
Rapid deployment of models
Real-time high-risk case detection
Makes credit decisions faster
Works with loved systems and workflows
Helps fulfill customer dreams
Strong track record with significant results
Greater market access
Instant decision-making capacity
Elevated approval rates
Handles credit lifecycle applications, behavior, collections
Supports high performance credit models
Adapts to your current structure
Approved by leading bank clients


Limited scalability
No open API
No multi-language support
Limited platform compatibility
Lacks extensive customization options
May lack advanced features
Unclear data privacy measures
No offline functionality
Complex deployment process


What is
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How does help lenders to approve more loans with less risk?
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How can help with my credit bureau business?
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