The UniCredit Bank integrated scoring of NBKI bureau into own system of assessment of credit risks

The UniCredit Bank integrated scoring model of the National Bureau of Credit Histories (NBCH) into decision making system at retail lending. The model is developed by the world leader in the field of predictive analytics – FICO company on the basis of data of the largest Russian bureau of credit histories – NBKI. Scoring is applicable for all types of the credits, including mortgage loans and credit cards.

"Expansion of the list of own tools of risks assessment at the expense of the powerful high-tech solution, certainly, will increase efficiency of Bank in the market of retail lending, – Milan Dyntar, the director of the department of retail credit risks of UniCredit Bank notes. – The third version of scoring of bureau has unique forecast characteristics which will allow us to improve interaction with our clients and to provide the low level of credit risk".

"Implementation of scoring of NBKI bureau in the system of decision-making is integrated to the minimum costs for the creditor, and it is possible to estimate efficiency of his work practically at once, - Alexey Volkov, the marketing director of NBKI says. – The model completely considers specifics of the Russian market of retail lending as it is constructed on the basis of the greatest possible historical data on credit behavior of borrowers since 2005".

"During creation of the third version of scoring of FICO bureau the innovative technologies earlier unavailable were sold in the Russian market, - Elena Koneva, the director of scoring of FICO notes. – For example, we could integrate predictive variables of members of a household of the borrower into model that significantly increased its forecast force".