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Scoring and segmentation to accelerate credit placement without excessive risks
Banking
Challenge
Define a three-month loan placement policy, based on analytical models, to mitigate credit, solvency, and operational risks.
Solution
Development of an MVP with risk filtering models, predictive scoring, quota estimation, customer segmentation, and capital reserve calculation.
Impact
More than 600 loans were granted to 450 clients in three months, with a portfolio deterioration of less than 9%. The company qualified for Y Combinator (Winter Batch 2023) and raised more than $700,000 in capital.
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