Double Scoring

Double Scoring is a system for obtaining information on the borrower from independent sources. She helps to look from the new point of view at the submitted applications and to implement the factors based on external, not prejudiced data in credit scoring of bank.

The software product of the company looks for and collects hundreds of additional scoring factors from social networks and other open Internet sources for 60% of borrowers, their environments. Data separately and own solution of the company can be used for increase in predictive force of the models Application scoring, Behavioral scoring, Collection Scoring.

In a product the accumulated experience of the company in numerous tests and commercial operation of a product is implemented that allows to make before start of testing to the client recommendations of inclusion of these or those factors in own models and also to constantly develop and create the new strong factors, for example, constructed on:

• analysis of interests of the borrower;

• analysis of texts;

• analysis of an environment.

Double Scoring is created using advanced technologies for minimization of response time and reliable work at high loads. Readiness of solution integration in the credit pipeline of bank it is confirmed with commercial operation of the solution top-10 the Russian retail banks.

There is a possibility of use of the solution for preliminary mark estimate of new clients when the bank does not know about them practically anything, but it allows to cut at an early stage of obviously chanceless clients for the main scoring program, or for assessment of potential clients regarding optimization of marketing budgets.