Case Study

Machine learning models for predictive underwriting

Case Studies / FinTech / Customer Acquisition

Large West Coast based Fintech was looking to expand lending to High Risk Prospects.


Opportunity


Our goal was to leverage ML based modeling techniques to demonstrate increased Risk Differentiation. Also there needed to be an easy way to describe decline reasons at the Prospect level.

Qrosswalk®


Unique features (e.g. with credit tradeline data) and appropriate Reject Inference methods were incorporated in model build. Proprietary Reason Explainer to identify adverse action reason codes in real-time.

Value Delivered


Delivered a 5%+ increase in AUC – leading to 70% increase in approved population at similar level of portfolio risk.

By browsing our website you must agree to our cookie policy. Accept or Decline.