Profitability sensitivity CLI engine
Make accurate evaluation on the impact of Credit Line Increase (CLI) decisions on profitability, risk, and customer behavior. Optimize credit line increases to enable lenders make informed decisions and boost profitability
CLD identification early risk intervention
Identify deteriorating credit conditions early on to mitigate risks, allowing lenders to take timely actions to minimize losses and maintain healthy portfolio performance
Customer risk assessment
Analyzing data and patterns to identify at-risk customers early, allowing for proactive interventions and improved outcomes, fostering long-term customer relationships, and minimizing potential losses
Overlimit and delinquent authorizations
Analyze customer behavior, payment history, and credit utilization to identify and manage potential risks. Mitigate over limit situations and effectively address delinquency, ensuring better risk management
First-party bust-out detection
Analyze customer data, transaction patterns, and behavioral anomalies to identify potential risks early on, enabling lenders to minimize losses, protect portfolios, and maintain a secure and trustworthy environment for customers
Portfolio risk reporting and monitoring
Harness real-time insights into portfolio performance, risk exposure, and emerging trends to proactively identify and address potential risks, ensuring a robust and resilient portfolio management approach
Fraudulent authorizations decision (point of compromise)
Enhance fraud detection capabilities, protect customers, and safeguard businesses by analyzing transaction data, customer behavior, and historical patterns in real-time
Preferred and risk-based pricing
Analyze customer data, creditworthiness, and risk profiles to determine personalized pricing structures, enabling lenders to optimize profitability while ensuring fair and customized offerings for each customer
Spend passion and customized recommendation
Understand customers' spend passions by analyzing customer spending patterns, preferences, and historical data to deliver tailored offers, customer engagement, loyalty, and long-term value
Reward program optimization
Derive valuable insights from customer preferences, spending habits, and redemption patterns to tailor and optimize reward programs, increase customer engagement, and boost customer loyalty
Advanced credit decisioning
Fast, accurate, and alternate credit decisioning using ElectrifAi’s ML-based solution on AWS. Infuse ML into core business processes such as credit scoring to enable BFSI organizations to enhance their accuracy and efficiency in assessing creditworthiness
