Credit scoring

Automation of decision making on loan applications based on business rule management systems (BRMS).
Key advantages:
  • The best practices of credit strategy configuration for retail and SME.
  • Design of decision-making strategies without programming.
  •  Off-the-shelf components: connectors to different credit bureaus, erasing credit history from duplicates, calculation of real debt burden, etc.
  • Gauging the creditworthiness of a customer and making decisions on products and terms based on their credit risk (risk-based pricing approach).
  • Various BRMS platforms: JBoss Drools, FICO DM.
years of experience
experienced consultants
applications every day
How can we help you?
Contact us
Or call 495 984-25-13
How does this work?
Automation of decision making on a loan application involves the customization of rules for a comprehensive analysis of a potential borrower: social and demographic factors, financial state, history of relations with the creditor, credit history quality, profile in social networks and many others. Consideration of all these factors requires the application of Neoflex project experience on interaction with the majority of the known information sources, and providing of uninterrupted operation of high-loaded loan conveyors, at peak load of tens of thousands applications per day.
The work with the bank’s customer base is both a part of cross-selling of credit and other products and an element of risk control and management procedures. Regular analysis of the customer, getting of the credit bureau triggers upon significant events such as withdrawal of a substantial credit at another bank, overdue indebtedness, etc. opens up ample opportunities for a prompt response to events. Specifically, optimization of a customer’s credit card limit enables the reduction of potential credit losses, while the increase of the limit or an accepted new credit offer made to a customer owning a large deposit, provides an increase of income and improvement in customer loyalty. Neoflex offers to the business user a convenient toolbox for monitoring their customer base and credit portfolio, helping mitigate risks and increase sales.


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23 Июля 2018

Neoflex watching over Scoring Technologies Trends

The company representative has taken part in Scoring Case Forum

14 Июля 2017

Neoflex participates in scoring conference

At the event the company and its client jointly presented a project for credit strategy development based on...

13 Декабря 2016

A Project for Touch Bank Presented with Award

A Neoflex project for Touch Bank was awarded within the framework of the X Anniversary Annual Ceremony RETAIL...

25 Ноября 2016

Management of credit portfolio with allowance for risk requires new data

Anton Lazebnyi, Head of “Financial markets technologies and risks management” Neoflex Business Department...

14 Сентября 2016

Credit Portfolio Management Tools in terms of IT-Budgets Reduction

Anton Lazebny, Director of “Technologies of Financial Markets and Risk Management” at Neoflex company, tells...

15 Сентября 2014

Anton Lazebny: An expert opinion on risk management in the bank

The NBJ journal published an expert opinion of Anton Lazebny, Risk Management Department Manager...