SOLUTIONS

Financial Health Summary

Real-time borrower insights to monitor financial behavior and drive proactive credit risk management.
Detect early warning signs
Spot instability or risk factors before they turn into losses.
Guide risk-based interventions
Fine-tune terms with default elasticity modeling that balances risk and return.
Balance risk and performance
Simulate and validate lending outcomes before you roll them out at scale.

Monitor portfolio health proactively

Our Financial Health Summary surfaces key risk indicators so you can act swiftly before risk escalates.
Example Strengths in Financial Behaviour
Positive indicators that reduce credit risk
Frequent Small Purchases
Stable Income
Low Utilization Ratio
Example Risk Factors to Monitor
Drivers that increase this borrower’s risk score
Legal Fines
Recent Late Payments
Debt-to-Income Ratio
Gambling Transactions
Multiple ATM Withdrawals
Number of Loans
Payment History

How it works

1. Data ingestion
We ingest raw bank transactions and credit file data via batch or API.
2. Categorization & tagging
We classify income, fixed/variable expenses, transfers, and debt obligations .
3. Metric generation
We compute borrower- and portfolio-level financial health indicators.
4. Summary & risk flags
Get a ready-to-use financial health report with scorecard-ready inputs.

Compliance Ready

Meets strict compliance standards while delivering on speed, fairness, and transparency.

No PII required
Models use de-identified transaction data.
ECOA-compliant
Protected class information isn’t required or used in decisioning.
Explainable outputs
Model features can map directly to adverse action reasons.

See other solutions

Cashflow
Score
Credit Offer
Model