In all credit lending businesses such as banks or NBFIs, a high rate of non-performing loans equates with increased loan write-offs, delayed income from interest and costs associated with debt collection. It is therefore essential, before granting a new credit, to quantify each applicant’s creditworthiness and predict their risk of default or delinquency.
Better predict the risk of default or delinquency for loans granted to new or existing customers and reduce costs of debt collection
A sample of loans that can be divided into “goods” and “bads” on the basis of a credit event such as
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