Loginom Scorecard Modeler

Loginom Scorecard Modeler (LSM) is the ready-made solution which allows to automate up to 90% of procedures during creation of the scoring card: from data preparation before modeling and reporting. Fast modification of the solution for adaptation to change of market conditions is available without involvement of programmers.

2019: Creation of the scoring card. Scope of LSM

According to information for November, 2019 Loginom Scorecard Modeler allows to complete all phases of creation of the scoring card within one platform and the solution.

• Import of data from diverse sources with the subsequent loading to a specialized data mart.
• Vintage analysis and creation of a matrix of migration, determination of the status of the account.
• Formation of selection for map development, sampling, balancing of classes.
• Analysis of predictive force of attributes and choice of significant attributes.
• Creation of scoring model, calibration and creation of the scoring card.
• The analysis of the rejected requests.
• Quality evaluation of the scoring card.
• Choice of threshold point.
• Testing and monitoring of the card.

Solution scope – creation of mark scoring cards for:

• biographical scoring,
• behavioural scoring,
• collection scoring.

Effects of implementation:

• Competent quality management of the loan portfolio.
• Objective assessment of logic of acceptance of solutions.
• Reduction of number of unreasonable failures.
• Reduction of level of non-returns.
• Reduction of requirements to reserves for possible losses according to credit obligations.
• Increase in accuracy of assessment of the borrower.
• Increase in speed of assessment of the borrower and issue of the answer.
• Minimization of a human factor in decision making process.
• Possibility of fast modification of models for adaptation to change of market conditions and credit policy.