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scoringborrower assessment system

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Assess risks accurately

Classic risk scoring

We predict the probability of loan payment delays and insurance cases. Scoring based on real subscriber behavior data will complement internal scoring card or credit bureau scoring and will reduce Cost of Risk without reducing credit portfolio volume

Individual scoring models

Based on training sample, we will build an individual model for your tasks or develop another type of scoring model if you need to improve fraud protection or assess loan repayment probability

Credit scoring model* — we predict the probability of loan payment delays. Scoring based on real subscriber behavior data will complement internal scoring card or credit bureau scoring and will reduce Cost of Risk without reducing credit portfolio volume

Mobile operator credit scoring works as an auxiliary tool in borrower assessment and uses analysis of client network behavior, personal characteristics and analysis of behavioral patterns in relation to loans.

The model, in addition to analyzing client behavior in the network, uses data about age, presence of possible collateral, income (including unconfirmed), marital status and analysis of the correctness of data provided during application submission.

The model aims to distribute clients into groups:

  • Low default risk
  • Moderate default risk
  • High default risk

Depending on the scoring score calculated based on analysis of client data, network behavior, personal characteristics and analysis of behavioral patterns in relation to loans.

*All services to corporate clients are provided strictly in accordance with the Company's Policy regarding the collection, processing and protection of subscribers' personal data and in accordance with the requirements of the legislation of the Republic of Uzbekistan in the field of personal data and their protection.
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