What it predicts
Four things a credit officer wants to know before saying yes.
Expected repayment pattern
Reliable, payday-aligned, seasonal or irregular: the same vocabulary the Settlement Pattern Analyst uses on the existing book.
Affordability band
Debt-to-income before and after the proposed instalment, from the confirmed income report.
Suggested date and tenor
An instalment date that follows the salary, and a tenor that keeps the band comfortable.
Early-warning sensitivity
Which changes to watch for on this account once it is live, so monitoring starts on day one.
Explanation first
A profile you can defend to the customer and the committee.
Gather inputs
The application, the confirmed KYC record and the confirmed income report. Nothing unconfirmed enters.
Compare
Against how borrowers with similar income shape, obligations and tenor repaid in your own book.
Explain
Every factor is listed with its direction and weight, in plain words the officer can read to the customer.
Officer decides
Approve, adjust terms or decline, with a reason recorded alongside the profile.
Monitor
The account’s real repayments are compared with the prediction. Misses are reported, and the model is reviewed.
Model governance
Built for your model risk committee.
A prediction that cannot be examined should not be used to lend. The profile ships with the documentation, monitoring and controls a regulator would expect.
No protected attributes
Ethnicity, religion, gender and similar attributes are excluded from the model and its inputs. Proxies are tested for.
Every factor is challengeable
Officers can dispute a factor and record why; disputes feed the review.
Trained on your book only
Comparisons use your institution’s own repayment history. Nothing is pooled across customers.
Drift monitoring and periodic review
Prediction vs. outcome is reported monthly; the model is re-validated on a schedule you set.
Documentation pack
Inputs, method, validation results and limitations, written for your committee and your regulator.
Who decides
The profile informs. The officer approves.
Works with