CreditVision® Algorithms

CreditVision® is a powerful suite of solutions that takes risk analytics to the next level. As your customers change, so should your view of their risk. TransUnion’s CreditVision solutions provide a broader and deeper view into a consumer’s profile than ever before, incorporating the latest in bureau data elements, a longer timeframe of account history data, and several hundred premium algorithms that significantly enhance traditional risk scores and marketing models. Used across your value chain, CreditVision can provide the scores and insights you need to optimise marketing models, improve consumer acquisition risk segmentation, better manage existing customer risk and opportunity, and enhance recovery and collections.

APPLICATIONS

CreditVision® gives financial institutions superior intelligence and analytics to improve their risk decisioning across the credit lifecycle 

Consumer CreditVision® Trended Data

Consumer CreditVision® Trended Data by TransUnion CIBIL transforms traditional credit models by leveraging historical behavioral data. Unlike static bureau snapshots, this approach uncovers dynamic borrower insights, enabling smarter, more inclusive, and personalized credit decisions. It evolves from raw data to predictive metrics and plug-and-play solutions tailored to real-world use cases. These algorithms enable Financial institutions to engage with the right customers and prospects, make smarter lending decisions, and manage portfolio risk more effectively 

Commercial CreditVision® Algorithms 

Commercial CreditVision® empowers lenders with sharper, data-driven decisions by combining trended borrower behavior with over thousands of credit attributes and algorithms. Designed for India’s commercial lending landscape, it reveals how borrowers reach their current risk levels, supports smarter commercial entities lending strategies, and enhances every stage of the loan lifecycle—from acquisition to collections—by uncovering hidden risks and opportunities.

IDVision

A multi-channel, layered solution that analyses application input by reviewing bureau information and associated verification and behavioural insights. It helps financial institutions identify applicants requiring further verifications and mitigate identity takeover risks, enabling more confident decisions and a stronger customer portfolio. 

Application Review Algorithms

India’s lending sector is modernizing with regulatory changes and broader credit access, but faces rising NPAs and intent risk as per TransUnion CIBIL’s CMI Jan 2025 Report. To maintain portfolio health, lenders must enhance risk assessment and adopt behaviour-based credit evaluation models. Application Review Algorithms (ARA) offer real-time analytics to detect out-of-pattern credit behavior. By analyzing trends in contactability, identity data, loan stacking and duplication, ARA helps lenders proactively manage risk and protect portfolio quality.