Credit Policy
Automatically generate and iterate candidate risk rules.
OFFICIAL PARTNER
GTCMagic Engine
SolutionsSOLUTIONS
Financial Risk & Credit
Financial Risk Control Solution
Business Pain Point
ML risk models are difficult for business teams to understand. High technical barriers, and black-box results make it hard to respond to changing risk conditions.
Business Decision AI Platform
Solution Details
With the Business Decision AI Platform, teams can quickly build high-accuracy, explainable machine-learning risk scoring models and rules, generate deployment-ready SDK packages, and accelerate model rollout.
- 01
Acquisition
Use pre-screening and marketing response models to identify high-response, lower-risk customers.
- 02
Anti-fraud
Generate sequential rules and differentiated review paths by risk segment. Combine policy rules, credit models, and fraud models in progressive review, and tailor policies by lending product.
- 03
Pre-loan
Build application scorecards (A-card), interest-rate models, and credit-limit models.
- 04
In- and post-loan
Build behavioral scorecards (B-card) and collections models.
Core Capabilities
From rule generation to explainable model development.
Risk Scoring Models
Build accurate, explainable models and deploy them faster.
End-to-End Credit Risk Journey
Five connected decisions across the credit lifecycle.
- 01
Pre-screening
Identify responsive, lower-risk prospects.
- 02
Anti-Fraud
Use rules and models to detect fraud.
- 03
Credit Policy
Set policies by product and risk tier.
- 04
Credit Scoring
Support scoring, limits, and pricing.
- 05
In-loan & Post-loan
Enable early warning and collections.
Full-Lifecycle Risk Control
Anti-FraudCredit ScoringEarly WarningCollections
Compliance-Ready
Explainable ModelsHuman-in-the-Loop Rules
Risk Insight
Transaction BehaviorCustomer Risk Changes
Practical Applications
Key Risk Applications
Application Anti-Fraud
Combine expert rules and machine-discovered patterns to intercept suspicious applications before approval.
Application Scoring
Estimate credit outcomes and provide transparent drivers for approval or manual review.
Risk-Based Limit & Pricing
Set differentiated limits and pricing while balancing expected risk, approval, and portfolio value.
Early Warning
Detect deterioration from account, repayment, transaction, and behavioral signals.
Collections Prioritization
Route cases by repayment willingness and recovery probability to focus collection resources.