Gain deeper insights into your customers’ behavior to make more effective credit decisionsWith detailed and predictive insight into consumer risk, you’re better able to identify borrowers who honor their loan obligations responsibly, enabling you to make more strategic lending decisions. India’s first offering of its kind, TransUnion CIBIL Credit Scores, can effectively gauge if an applicant is likely to default on loan payments after 91 days – over the next 12 months. This helps you distinguish responsible borrowers from those less responsible, based on past behavior.
This allows you to optimize your portfolio performance and implement strategies to retain and strengthen relationships with your key customers. With Credit Scores, you can make better-informed and prudent decisions about customers and prospects, reduce losses and increase profitability.
Gain the predictive power you need to make better decisions more accurately
Income EstimatorBuild on enriched data to predict a customer’s ability to pay. Income Estimator factors in sources, such as investment income, business income and more to create a more accurate view of a customers’ total income. This enables you to understand income and debt levels, match product offers, retain customers on more profitable terms and collect effectively.
Use data and analytics to identify the customers most likely to respond to a product offer
TransUnion CIBIL Propensity ScoreUse the first-of-its-kind score in India to objectively segment your customers and identify those most likely to respond to a particular offer. Propensity Score is designed to help improve the profitability of your retention campaigns for credit cards, personal loans and auto loans, reduce the cost of acquisition and strengthen customer relationships.
Make smarter decisions, manage risks and simplify loan approval with our credit scoring model
TransUnion CIBIL Risk ScoreIndia’s first credit-scoring model takes all your tradelines into account. It effectively predicts if an applicant is likely to default after 91 days on one or more tradelines over the next 12 months. This helps you make more informed and prudent decisions about customers and prospects, reduce losses and increase profitability.
Get predictive insights into consumer risk and credit behavior
Make more informed decisions about customers and prospects
Reduce losses and increase profitability
Optimize your portfolio performance
Retain and strengthen relationships with key customers