Aptivaa has successfully implemented a structured framework for retail scorecard development, deployment and maintenance, an experience that has been perfected over several assignments at banks globally.

Our expertise covers wide range retail portfolios, including credit card, home loan, personal loan, auto loan, and so on. We offer analytical services in the domain of retail credit risk modeling. Our offerings include:

  • Statistical and data mining techniques used to model retail business segments
  • Developing Application Scorecards to be used at the time of credit origination, when a new loan is granted
  • Developing Behavioral Scorecards, employed to determine the probability of an existing customer defaulting, incorporating information derived from the customer behavior
  • Assisting banks in achieving A-IRB-specific Basel compliance
Some of the key areas that we cover in application development range from data preparation to scorecard implementation.