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Alternative Scoring

CRIF is a global expert in credit scores, predictive analytics, decision analytics, business information & credit risk management solutions. 30 years of CRIF's existence has proved to be beneficial to over 300K consumers, 50K business clients and 6000 institutional clients.

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Alternative Scoring

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  1. Can Alternative Data Expand CreditAccess? The Answer isYES.

  2. Alternative credit scoringmakes it possible to extend the access of loans/credit products to people who do not have adequate background data to strengthen theircredit scores. The broader opportunities provided byalternate credit scoringpromote an inclusive lending landscape. • Thealternative data for credit scoringis extremely beneficial for lenders given the immense opportunities it offers to both lenders and their borrowers.

  3. Introducing CRIF’sPsychometric Credit assessment Platform- This platform Integrates Personality type InCredit RiskAssessment • It can assess an individual’s personality to gauge their ability to repay and intent to repay. It studies multiple personality dimensions such as Conscientiousness, Honesty, Discipline etc. considering the cultural context and belief system of thesociety. • This platform removes the masks of socio- economic background, level of education and other learned behaviour to provide a deep dive into your borrower’spsyche.

  4. Benefits of CRIF’s alternative credit scoringPlatform Increase approvalrate Reduce TAT Lower Badrate Delight

  5. Features • Geographies: • Currently available in India, Southeast Asia, the Middle East,Africa • Localization: • As per market and segment requirements, keeping the main frameworkintact • SupportedLanguages: • Available in 6 regional Indian (Hindi, Bengali, Tamil, Telugu, Kannada, Marathi) and Global languages (English, French, Italian, Mandarin, Arabic, Bahasa,Malagasy) • Approach: • Multi-layered decision framework that utilizes Metadata score, Application Score and Psychometricscore.

  6. CRIF’s psychometric credit scoringplatform can help banks, lenders and financial institutes set up their own credit scoring model and tap the unbanked section ofcustomers. Take advantage of the Psychometric Credit assessment Platform byCRIF Ask for a DemoNow Follow CRIF Indiaon:

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