ID Analytics Credit Risk: Portfolio Management
Credit Optics supports responsible growth and tighter risk management by integrating an incremental, yet powerful perspective of risk. Combine legacy credit scores with advanced analytics applied to proprietary credit risk data for a cost-effective solution for ongoing analysis of your portfolio.
FCRA-compliant Credit Optics delivers incremental visibility of credit worthiness and improves credit decisioning by gleaning insight from information that is not typically analyzed when calculating a traditional credit score. While traditional credit scores determine credit risk by predicting the willingness and ability to repay debt, ID Analytics Credit Optics introduces a unique, third dimension to this analysis-the stability of an individual.
- Decreasing losses by identifying high risk accounts for credit line decreases
- Better identifying accounts that will use, responsibly, a credit line increase, optimizing growth strategies