AI Predictive
Analytics for
Alternative Lenders
predictive
power of AI-driven
GiniMachine. Create
predictive models to strategically plan for optimal
outcomes. Make
data-driven decisions with the ad-hoc
solution for the alternative
lending business.
expertise
required
and raw data
predictions in
3-5 min
decision was
made
Alternative Credit Scoring System
Easily assess loan applications with GiniMachine. Just upload
your
historical loan data, and it
will create a predictive model
based on past credit closure factors.
Next, upload your active
loan data in a CSV or XLS file, and the system will pinpoint
potential
non-performing loans
(NPLs).
AI Scoring Software for
Alternative Lending
Leverage AI alternative scoring tool to increase accuracy of credit
decisions and accelerate loan processing at every stage.
Increase loan origination by catering to thin-profile and unbanked borrowers.
GiniMachine uses alternative data (like rent, utility payments, asset ownership,
social media) for precise loan repayment predictions.
Boost loan origination efficiency and issue more credits faster with GiniMachine.
Integrated seamlessly with your loan system, the algorithm scores incoming
applications instantly.
GiniMachine creates unique models for each uploaded dataset, empowering diverse loan
portfolio assessments. Our AI tool for alternative lenders allows limitless model
building.
GiniMachine’s continuous model monitoring adapts to regulatory and market shifts,
mitigates risks of outdated predictions, and avoids excess costs. It automates the
process, alerting you promptly when updates are needed.
Automatically audit assets to pinpoint high-risk ones. Utilize these data-driven
insights for proactive NPL prevention and profit maximization. Enhance
decision-making and loan management with informed, optimized processes.
Alternative lenders enhance performance by fine-tuning the cutoff point, balancing
precision and recall. This risk customization tool helps define the acceptable
proportion of risky assets in the loan portfolio.
lenders with
innovative scoring approach.
Complete Debt
Management Software
types
of institutions.
Profit Forecast
Use GiniMachine’s profit forecast tool to evaluate your loan portfolio performance and
spot potential delinquencies. It factors in all costs to calculate accurate loan
approval profits and the expense of inaccurate approvals, aiding in effective portfolio
profitability assessment and focus area identification.
Results Interpretation
Boost transparency with GiniMachine’s explainable alternative scoring. Meet regulatory
needs with auditable decisions. GiniMachine visually represents key decision
influencers, allowing clear understanding. Monitor system-considered factors and export
detailed reports for easy analysis.
AI Debt Collection
Automate debt collection for higher asset liquidity and fewer NPLs. See a major
reduction in Days Sales Outstanding. GiniMachine suggests optimal payback methods and
personalizes strategies per case. Leverage this for scalable debt portfolio segmentation
and efficient debt collection.
Fast and Free Credit Department Audit
Consider Using
GiniMachine To
See how GiniMachine can facilitate overcoming
alternative
lending pitfalls and improve your
business
performance with the power of artificial
intelligence.
- Lower NPA/NLP for your business
- Keep your accounts receivable from selling
- Speed up application processing
- Measure and improve debt collection performance
- Build the debt collection department
Suits Diverse
Alternative Lending
Expedite loan processing, enhance the accuracy of credit
decisions, and eliminate defaults in
outstanding debt with AI-driven
alternative scoring software.
Commercial lenders leverage alternative data for superior risk assessment, informed
decisions, and optimal interest rates. ML algorithms cut underwriting time and boost
efficiency. Alternative scoring strengthens risk control and portfolio management,
aiding in risk identification, repayment tracking, and loss mitigation.
Alternative credit scoring boosts customer reach, risk assessment, decision speed,
and market access while reducing bias. By leveraging alternative data sources and
advanced analytics, you can make more informed lending decisions and tailor their
products and services to meet the diverse needs of borrowers.
Alternative scoring expands the BNPL customer base. AI refines borrower profiles for
tailored loan terms. GiniMachine’s accurate creditworthiness assessments reduce
bias, speed up decisions, and automate processes.
the full capacity of your business.
Case Studies
