Financial Services
At Radix, we turn raw financial data into explainable, production-grade credit decisions. We help banks, auto financiers, leasing firms, SME lenders, microfinance institutions, and affordable-housing providers align scorecards, policy rules, and monitoring—so risk is transparent, approvals are faster, and growth stays compliant and profitable.Our Solutions by Sector
Credit risk analytics and ML scorecards, reason codes/monitoring, and decision overlays that lift discrimination and align underwriting with scores.
Thin-file/alternative-data modeling and segmented cut-offs for owner-managed businesses, leveraging bureau and behavioral overlays.
Application scorecard models; aligning rules and reporting to reduce manual scrutiny and improve approval precision.
Credit scorecards, underwriting alignment and operating dashboards optimized for document-heavy flows and affordability constraints.
Portfolio segmentation, retro bureau comparisons, and multi-scorecard scaling for smooth LOS integration; cohort-wise behavior analysis feeding policy updates.
Asset-backed scorecards and PD/LGD calibration adapted from auto/retail models; decision overlays for collateral/risk tiers.
Lightweight, high-recall application models for first-time borrowers; explainable features for field ops adoption.
Scoring models for Fraud Travel Insurance Claims, Gradient Boosting to flag high-risk claims, significant reduction in manual review.
Benefits
Revenue Optimization
Advanced segmentation and pricing uncover profitable cohorts, boosting approval precision and lifetime value.
Loss Ratio Reduction
Better scorecards and early-warning signals cut defaults and roll-rates across portfolios.
Faster Turnaround Time (TAT)
Real-time scoring and clear decision rules shrink manual reviews and speed up disbursals.
Fraud Loss Containment
Hybrid rules + ML triage flags high-risk applications/claims early, reducing leakages without hurting CX.
Regulatory Readiness & Explainability
Reason codes, monitoring, and governance streamline audits and keep models compliant.
What we build, how it performs - Explore our work!
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