Advanced Credit Scoring (ACreS) Software
A tool to automate the process of assessing Credit RiskACreS is a proprietary no-code platform to automate credit risk modelling and performance tracking. This automated tool enables a company to develop own credit risk model and calculate credit scores of its customers. It can be integrated with loan origination system to get result in real time. Model generation and implementation is a seamless process. Apart from scoring service, future reports to monitor the population quality and performance of scorecard are also available through this app. It offers a platform where all functions related to scorecard can be availed.
ACreS Modules
Upload historical credit data and explore it via univariate analysis. Develop models using flat files or warehouse / databases. Built for diverse risk-analyst needs and reports standard metrics like IV, Gini, and KS.
A companion RESTful service delivers real-time scores to any LOS with minimal changes, plus an always-available batch scoring mode.
A guided, streamlined workflow to review models, test rigorously, secure approvals, and push to production with auditability.
Generate comprehensive, scheduled reports to track scorecard stability, discrimination, and business KPIs over time.
Experience ACreS: 15-day free trial with a signup that takes under a minute. Plug in your data and start scoring today!
Features
- A tool which allows the client to build, approve and deploy credit risk models, score applicants & customers in real time & monitor score performance
- Intuitive interface - does not require any coding
- Users can control the extent to which modeling flow is automated
- Designed to accommodate both risk analysts with domain knowledge and data scientists with statistical expertise
- Selection of variables for model building can either be fully automated or guided by domain knowledge and statistical expertise
- Can be easily integrated with banks’ systems to ensure seamless data flow and data security
- Can be integrated with loan originations systems to support real time decision making using API calls
- Either on-premise or cloud deployment possible
- Uses methodology accepted widely by regulators worldwide
- Consultancy and modelling provided by Smart as optional add-ons
Experience ACreS: 15-day free trial with a signup that takes under a minute. Plug in your data and start scoring today!
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