Scoring and Credit Decision

Speed up scoring, sharpen insights.

Achieve fast and precise AI credit scoring, powered by last-minute data.

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Spot-on scores without the wait

Want smooth, on-point AI credit scores? Take your risk models, apply the latest data, and use our scoring engine's AI-driven tech.

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Design AI credit scoring models just as you need them

Set up and tweak scoring models exactly to your needs. Run calculations whenever you want or link up with your web services smoothly. Get full control over the scorings—distributing, analysing, and approving scores, with precision.

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Keep your risk models accurate and fault-free

Ensure AI credit scoring and rating models quality, spot issues fast, and fix them for good, backed by 30+ statistical tests. Reach accuracy with confidence to trust the results you see.

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Replace heavy coding with user-friendly screens

Skip programming and empower your Risk and Data Scientist teams. Use simple screens to handle everything—from analysing and cleaning data to running AI algorithms, building scorecards, calibrating parameters, and setting credit rules.

Flexible, easy way to configure
AI credit scoring model

Easy credit score models configuration

Design and configure your institution's scoring and rating models easily. In just a few steps, set up model variables, categories, score points, and credit grade mapping. With a simple, self-explanatory process, create multiple credit score models for different segments and loan products, saving time on complex configuration.

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Reliable credit score model validation

Spot any issues with your AI credit scoring or rating models early, using a full range of simple, data-backed tests. Gain the peace of mind that your risk models are on point, making your lending safer and more secure.

  • Customisable Limits: Adjust the limits to match your internal guidelines and use a traffic lights system to organise the tests.
  • Flexible Observation Period: Set the observation period in the discriminatory power and calibration modules to match the one used for defining PD, making it easy to track defaults.
  • Scoring and PD Settings: Customise scoring values for each grade and set the corresponding PD for your model.
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Sustainable credit assessment

Create sustainability surveys and score customers and projects based on their answers. Use the pre-calculated sustainability score to adjust credit interest rates depending on their environmental impact. Help your customers improve their sustainability profile, making it easier for them to get the loans they need.

  • Promote sustainability: Encourage businesses to boost their sustainability efforts and stay in line with growing ESG requirements and EU Taxonomy standards.
  • Score on sustainability: Use questionnaires on environmental issues to analyse and score your customers on key sustainability metrics.
  • Tailored for you: Customise surveys for Corporate Risk (Rating), ESG, Sustainability Scoring, Social Media Scoring, and more—including Personal Risk for cash loans, car loans, and mortgages.
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Choose quick, smart AI credit
scoring for safer choices

Data builds trust, automation saves time, AI gives you an edge.
See what else ITSCREDIT can do for you.

Speed up processing, grant credits faster

Replace manual scoring with instant calculations and make decisions in minutes, not weeks.

Take faultless, agile decisions

Reduce defaults and lower credit risk while quickly assessing creditworthiness and approving loans.

Make credit easy for your consumers

Give your customers fast, hassle-free options based on the latest data and reliable AI predictions.

Facilitate work for your credit teams

Allow users to navigate the scoring tool smoothly, customise effortlessly, and make everything their own.

Increase the volume, without adding time

Push back the limits of manual tasks. Spot and use fresh data to lend faster and at a bigger scale.

Generate leads to keep lending more

Create lists of pre-scored, pre-certified, and pre-approved clients for lead-generating marketing campaigns.

End-to-end credit platform

Our AI credit scoring engine combines with other modules to create a complete lending solution

Calculator

Run accurate simulations for all financial products, channels, and partners in a single online tool.

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Credit Workflow

Easily manage every step of loan origination, from application to the final decision.

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Collections

Use loan data, process automation, and task management to optimise credit recovery.

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Credit Monitoring
& Risk Analysis

Anticipate risks, discover portfolio insights, and run pricing and profitability analyses.

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