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Tracer – Retail Lending

Dun & Bradstreet Tracer – Optimized Device For your Business Solutions, is a modular and flexible platform to automate your credit decisions based on scientific evidence through application and behavior scorecards. It includes a configurable workflow, a business rules engine and incisive reports to manage entire scoring, decisioning and origination process.

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Key Features

– Workflow driven single automated system for origination and decisioning of applications for various retail lending products.

– Option to host bank’s own scorecards or D&B Expert scorecards for various retail lending products. Easily define the elements and weightages associated with the scorecard.

– A configurable rule engine with the ability to configure and validate various credit policies

– Provides automated decision on credit application with an option of manual intervention.

– Seamless integration with bank’s legacy system, credit bureau and risk data marts.

– Generates behavioral scores for existing customers based on latest demographic and transactional data.

– Powerful MIS dashboard reports that assess demographic, portfolio and product performance..

Benefits

– Faster, consistent, unbiased, and accurate credit decisions based on scientific evidence.

– Enables banks to configure their retail credit policies and validate them during application processing.

– Assists in creating strategies for different risk profiles i.e., Risk-based pricing.

– Reduction in turnaround time for application processing.

– Useful Insights based on approval and rejection data.

D&B Advantage

  • A single platform to configure all scorecards
  • Leverage on experience of managing several consumer credit bureaus in the region
  • Implementation support by banking experts

”Analytics ”Analytics

  • Predictive Analytics and Credit Decision Management automates credit approval process for accurate decision making
  • Customized retail decision making platform automates SME lending process and provides continuous model monitoring and improvement for a leading bank in UAE

”Analytics

Call us (+800) 5 269018
Call us (+800) 5 269018
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