• Creditinfocreated a team of experienced local and international risk management experts and data scientists.
  • They created an generic scorecard and suite of business rules that ensured there was security against bad debt loss that combined all data sources. Working closely in partnership with the banks internal teams in workshops so that there was full knowledge transfer.
  • Critical to the solution is the assignment of credit limits, creating a model combining risk assessment and income proxy.


  • Within the schedule the rule based and scorecard was delivered to the customer to be implemented.
  • The effectiveness of the model was simulated on expected customer profiles.
  • Benchmark research supported the customer segment for the marketing team.