Lending a Trisigma Analytica solution
Scoring, credit rating and decision rules for applications, from the form to borrower monitoring.
Lending
The solution takes an application from the form to the decision: it checks the data, calculates a score or rating, applies credit-policy rules and passes borderline cases to an analyst. After disbursement it tracks the quality of the borrower and the portfolio.
What the solution covers
Scoring models
Application and behavioural scoring. Scorecards are built so a decision can be explained to the customer and the regulator.
Corporate rating
Ratings for corporate borrowers based on financial ratios and qualitative factors.
Decision rules
Knock-out criteria, approval cut-offs and limits from the credit policy are written as rules and applied consistently.
Automated decision
Approve, decline or refer for manual review. The reason for the decision is stored for every application.
Model monitoring
Stability and discriminatory power on new data. A signal when a model needs recalibrating.
Borrower monitoring
Early signs of deterioration among existing customers, and limit reviews.
- Banks: retail and small-business lending
- Microfinance organisations and fintech companies
- Leasing companies
- Credit departments and risk functions
- A standard application is decided without an analyst.
- Approval cut-offs are chosen from data, with a known level of risk.
- Credit policy is applied the same way at every point of sale.
- Model decay is noticed before arrears rise.
Related solutions
IFRS 9
Expected credit loss (ECL) calculation: impairment stages, PD, LGD and EAD models, macro scenarios and reporting disclosures.
details →Risk and Capital Management
Credit, market and operational risk in one view, capital allocation and limits.
details →Business Intelligence
Data marts and dashboards for management, risk and finance: the same figures for every department.
details →Common questions
How does work start?
With a free 30-minute call with a solution architect. We go through the problem and suggest where to start. If it needs a closer look, we propose a 2–4 week diagnostic.
Which countries do you work in?
Our office is in Bishkek. We work with companies across Central Asia, on site and remotely.
What language are documentation and training in?
Russian and English. Methodology, manuals and reports are written in the language that suits your team, auditors and shareholders.
Do you sign an NDA?
Yes, before you share any data or documents with us.