- About Us
Developed in conjunction with Ext-Joom.com
Customer Credit scoring, Internal rating, Probability of Default & Provisioning (Loan Loss Reserves) Platform. Insight's power drives from a credit scoring design philosophy that marries the best of application and behavior credit scores.
Insight measures probability of default based on historical experience. In contrast to market-price based methods, our PD estimates reflect actual default probabilities, making the model suitable for Basel II capital requirement as well as internal loan pricing and analysis.
Days Past Due (DPD) Tracking
The DPD tracking piece is the most crucial analytic generated by the credit management function. It is used not just in collections tracking and client management but also in provisions projections and capital management. But the source and control of DPD data is crucial. If the credit management function relies on branches to generate and compile DPD data they are just asking for trouble. For DPD data to be reliable and effective it should be generated automatically without manual intervention by any concerned or related party.