Early Risk Score
Validate intent to pay and predict defaults at origination for smarter lending
Assess risk, determine payment intent and early delinquencies with trended credit data capabilities.
In today's digital landscape, distinguishing genuine customers from fraudulent identities poses a substantial challenge — especially for short-term, unsecured personal and consumer durable loans. The TransUnion CIBIL Early Risk Score (ERS) suite empowers your business to identify and assess risks more effectively.
By leveraging trended credit data and robust identity insights, Early Risk Score delivers an in-depth picture of credit behaviours and potential intent assesment, supporting more informed acquisition decisions and maintaining a smooth, positive consumer experience.
Confidently detect out of pattern and early delinquency indicators, secure your digital lending processes and build trust with your short-term loan customers.
Product Highlights
- Gain early insight into consumer intent.
- Reduction in bad rates for secure lending decisions.
- Enhance consumer experiences with friction-right onboarding.
- Combine with CreditVision for holistic, top-of-funnel solution to help better lending decisioning.
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