The Scoring models are now an indispensable tool in the allocation of credit to new customers and the risk classification of the existing ones.

The purpose of a scoring model is the ability to take a decision for each proposal/ client, in an automatic, objective and reliable way. Using statistical models it is possible to predict the customer’s future behaviour, based on the information available in the computer system of the entity through historical data of customers.

The main benefits of a scoring model are:

Debt reduction;
The neutral risk assessment based on an objective analysis of the information;
More reliable and faster decisions;
Decision-making consistent throughout the network of branches;
Parameter management Control;
Automatization capability;
Better customer service;
Improved Profitability;
Better decisions;
More responsible Loans.