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Credit Risk

Scorecards

Add 5-30% improvement in risk decisioning with Principa's scorecard services.

Achieve optimal decisions with world-class scorecards

For almost 20 years, Principa have been behind the development and deployment of nearly four hundred scorecards covering multiple products and the entire credit lifecycle.

Our credit risk analytics experts make use of extensive experience in credit across markets and industries to deliver world-class scorecard development, monitoring and alignment services.

Scorecard Services

Principa employs a variety of best-practice scorecard building techniques including mathematical programming, regression modelling, optimal segmentation-seek employing genetic algorithms, and reject inference parceling amongst others.

In addition to development of custom scorecards, we offer alignment, verification and monitoring of your existing scorecards.

Scorecard Monitoring and Validations
Principa has extensive experience in monitoring and validating a variety of different scorecards giving you, the credit granter, comfort in understanding the optimal time to re-align, fine-tune or redevelop a scorecard. Principa has also worked with multiple credit granters in setting up a monitoring schedule for internal monitoring purposes.
Scorecard Alignments
Principa’s scorecard alignment process allows you piece-of-mind that the scorecard is ranking risk and that your cut-offs are tied back to an expected score-to-odds relationship. This is essential in ensuring profitable decisions and is a necessary exercise every 1-2 years.
Bespoke Scorecard Development
Custom scorecards are data-driven models built on the previously applied population. These scorecards allow for the best possible credit decision and the setting of scorecard cut-offs utilising expected volumes and approval rates. Semi-expert models are hybrid of expert and custom models
Expert Scorecards
Where no data is available, expert models are the most appropriate for your portfolio. These models are built on the back of the client input combined with Principa’s experience in the region, with the product and with the customer demographic.
DecisionSmart Scoring Engine
DecisionSmart is a modular scoring and decision engine built to offer rules management capability on an account or customer level across the entire customer lifecycle.

Optimise your Credit Lending decisions

Ensure maximum profitability and minimise risk.
Get in touch to discuss your scorecard related requirements.

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