Credit Risk Management
Credit risk management for a changing business landscape
The Optimus Credit Risk product provides a robust and scalable credit risk management solution for enterprises across a wide range of industries. It is designed to offer predictive credit risk management based on advanced behavioral modelling, analyzing customer lifecycles, credit limits, risk scores, and other critical credit data. The adaptive learning model, combined with customizable rules and thresholds, offers an effective credit risk solution that meets the unique requirements of your business.
Risk prediction models built on machine learning technologies provide wide-ranging risk analysis in cases such as bad debt prediction, usage prediction, and anomaly detection, leveraging time-series decomposition and behavioral understanding to flag key credit risks.
Rapidly identify and eliminate risk
The Optimus Credit Risk product has a demonstrable history of uncovering fraud rings by comparing suspect customers against general population demographics in order to investigate and establish insidious links. Link analysis offers a powerful solution to identify and eliminate subscription fraud and bad debt risks, identifying high-risk links to offenders or bad agents. It compares new subscribers against repeat offenders or individuals with notable risk profiles, providing a powerful solution for credit risk management.
Clear credit risk oversight is provided through a simple alert system, flagging high-risk applications and enabling clear oversight by risk management teams regardless of the position within the bill cycle. Risks can be categorized by severity to optimize workflow processes.
Optimus Data Insight provides advanced case management, investigation, business intelligence, and data mining tools, adding greater depth to your credit risk oversight. This enables users to manage each and every case effectively, as well as performing ad-hoc queries on customers and transactional data to further investigate hidden risks or unusual activity.