It fully manages the credit risk model of the Bank or financial institution, performing a real-time control of the three fundamental pillars to achieve revenues objectives, according to the risk appetite of the corporation.
Evaluates individuals and companies, generating models of Risk Tier, Risk to Price, Score, Exclusion Policies, integrating all relevant sources of evaluation in Latin America.




Value Added
Manages credit risk, evaluating individual policies and in the aggregate, in order to accurately mitigate the credit risk of each operation and of the portfolio as a whole, to meet PE and Revenues goals.
Functionalities
Resolves by type of branch of decision trees by approving or rejecting, incorporates scoring applicant and behaivior.
Manages credit limits, times rent, times profit, terms, instalments, fees, rates.
It allows simulations of Risk to Price commercial campaigns, determining PE and BAI.
The Champion/Challenger On Line or Off Line module allows the adjustment of policies immediately or by portfolios.
It allows the inclusion, hierarchisation and procedural evaluation of all types of decisional rules and policies based on demographic, bureau, debt, income, percentage share, financial ratios and other variables.
Calculates NPVi of the portfolio by cluster, to generate differentiated offers by PE, generating optimal iterated rate.
Generates workflow of credit evaluation processes, managing the different evaluation trees, according to type of channel, product or sales agreements.
WOM S.A. will initiate a bidding process for a credit engine. We require commercial contact to formalize the invitation.