WorkCase study
Credit intelligence in loan decisioning
I brought credit-registry smart-score data into loan offer generation, with the aim of reducing first-payment defaults.
Completed
What I did
I integrated smart-score information from credit registry data into the logic that generates loan offers.
Outcome
The initiative targets fewer First Payment Defaults (FPD): loans where the first repayment is missed. This is an expected impact, not a measured result.