AI Credit Scoring

Machine Learning AI Algorithms ingest large number of parameters about the potential borrower and use existing loan repayment behaviour to accurately predict a borrower’s probability of default. Novopay’s Credit Scoring models have shown to accurately predict defaulter’s in various PoC studies on real loan datasets. There are opportunities to reduce both false-accepts (decreases NPA) and false-rejects (increases loan book), and rapidly grow your loan book using AI based Credit scoring algorithms.


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