Scorecard development software: visual and easy to learn - PowerPoint PPT Presentation

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Scorecard development software: visual and easy to learn

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  1. Plug&Score Helps you to build scorecards in-house • Easy • Fast • Affordable • One day to learn how to use • Does many tasks automatically • ROI in less than a month

  2. Why you need Plug&Score • Credit decisions have the strongest impact to your profit! • Keep them under total control with your in-house scorecards (internal credit and customer ratings). • Markets, competition and customers constantly change these days, reducing your profits! • Constantly monitor and improve your scorecards. • Regulators require you to implement internal credit ratings! • Be compliant with Basel II IRB approach.

  3. What Plug&Score gives you Your Credit Business GETS: • More customers and decreased bad debt losses • Fast and accurate credit decisions, efficient customer management and debt collection actions • All your customers are precisely rated - It’s better to count than to guess • Your historical data leveraged and turned into additional profit • Your scorecards are developed in-house – with Plug&Score you take full control and save money As a User YOU GET: • Extremely easy, clear and straightforward methodology of scorecard development - embedded into Plug&Score • Best practices included into pre-defined assisted workflows - you don’t need to learn tons of books to build your scorecards

  4. Value proposition

  5. 3 steps to get a precise scorecard 1 2 3 Variables Selection Scorecard Creation 1. Portfolio Analysis • Historical data automatically divided into parts for scorecard training and validation • Easy visual portfolio data filtering, sorting and re-assignment to “Good”, “Bad” and “Indeterminate” • Graphical representation of portfolio data quality • Easy column and records inclusion/exclusion • Separate results for scorecard training and out-of-sample validation subsets

  6. 3 steps to get a precise scorecard 1 2 3 Portfolio Analysis Scorecard Creation 2. Variables Selection • Graphical view of Goods and Bads for each customer type (category of your portfolio) • Bad Rate and Predictive Strength (WOE) for each variable or portfolio category • Optimal transformation of numeric variables into categories (automatic binning) • Visual comparison and adjustment of binning • Separate views for scorecard training and out-of-sample validation subsets

  7. 3 steps to get a precise scorecard 1 2 3 Portfolio Analysis Variables Selection 3. Scorecard Creation • Visual cut-off point and score bands definition • Automatic scorecard adjustment for portfolio with small amount of Bad customers • Auto scorecard scaling for your business targets defined in odds (e.g. Goods:Bads=1:100) • Scorepoint range selection • Gini, K-S, ROC and other the most proven scorecard accuracy and performance graphs • One-click Export to Excel, PDF and the most widely-used graphical formats

  8. Where to use Plug&Score? Plug&Score is successfully used with: • Any type of retail credit: • Consumer credits • Credit cards • Auto loans • Mortgages • SMEs • Micro-credits • Pay-day loans • Any phase in the loan cycle: • Loan Origination • Customer Accounts Management • Debt Collection and Recovery • Fraud Detection & Prevention Application Scoring Collection Scoring Behavioral Scoring Fraud Scoring

  9. Which companies are using our software Alyuda customers • Bank of America – USA • JPMorgan Chase – USA • Wegelin & Co – Switzerland • Citibank – USA • TransUnion – USA • CreditSights – USA • Drax Securities - Greece • Reuters – USA • and many others…

  10. Why Plug&Score? Easy-to-use • Only 3 steps to get a precise scorecard • Designed for business users, not for statisticians • Zero learning curve You get the same solution for 1/5 the cost • pay 10K and build as many scorecards as you need, instead of constantly paying for consulting (at least 50K per scorecard) Quality • Only proven scorecard building technologies • Backed up by 9 years of scoring, predictive modeling and software development experience • Fully functional 30-day trial version

  11. Contact us any time: Phone: +1 (510) 931 7808 Email: sales@plug-n-score.com Web: www.plug-n-score.com Skype: plug.score