Credit Scoring Module

Drive efficiency with flexible adjustment of approval criteria
The Credit Scoring Module supports the process of detailed scoring and rating analyses with flexible definition of Score Cards for risk assessment, based on client business needs. The definition of the Score Card parameters is based on client’s specific scoring indicators and is integrated in the process workflow closely related with the product definition.

Integrated DDC object on application level provides automatic calculation of card creditworthiness, based on predefined ranking scheme. In order to mitigate the possibility for double entries and centralize data control, the Score Card parameters integrate with the parameters from the Application Processing Module and automatically load the data from the Personal Data Registry which is data that is already in the system.

The module supports N levels of decision trees, including un-weighted, judgmental – weighted, data weighted, and judgmental – weighted and data weighted formulas, all of which automatically generate all possible combinations of answers and create the tree path, by overtaking the weight factors and entering points for all combinations.

For automatic processing of the Score Cards, calculation mechanisms such as variable weight, decision tree-mechanisms and other, are integrated within the Application Processing and Approval Processes and provide comprehensive results of the decision process.

The calculated score is automatically generated on all answer combinations which is then used in automatic calculation of application’s score of all applicants, based on the predefined ranging scheme. Furthermore, predefined parameters from Spreadsheet files can be directly linked into the Credit Score Cards and used in statistical analyses.

Key Features

  • Collective Factors Score with Statistical & Subjective MeasurementsSystematize the application assessment procedures by interactively using statistical tools combined with flexibly defined parameters to create successful decision criteria.

  • Dynamic Scoring DefinitionMaximize the value of every lease applicant with dynamically defined evaluation parameters and statistical models, assuring reliable risk evaluation and quality decision processes.

clients say
  • "ASPEKT’s leasing system is a very convenient system with automated validations that limit any possibility for manual errors and now my daily operations are highly simplified as I don’t have to worry about making mistakes in calculations or assigning assets that are not available." - Lease Officer / Specialist
  • “Aspekt Leasing Software shows high performance in optimal infrastructure environment and I’m sure the system will be able to scale up without compromising the operational functions.” - System Administrator
  • "Aspekt Leasing Software offers direct performance preview, allowing me to analyze performance results per employee and manage the sales process so that all my employees are maximally effective and fully dedicated to work responsibilities." - Branch Manager
  • “We needed a system that is able to respond to the evolving regulatory environment, changing risk management procedures and addresses the ongoing operational costs with high control efficiency and we are happy to confirm that Aspekt Leasing Software delivers unlimited operational cost and risk benefits through our daily operations." - Risk Manager
  • "The use of Aspekt Leasing Software has greatly improved the process of servicing our customers. We are able to form sales policies that meet their expectations in continuity and deliver on-time and quality support.” - Operations Director
  • “At the end of the month I can conduct full financial review and generate reports for external reporting, as all the transactions are automatically posted and matched, and if there is a need for transactions correction, it can be automatically executed and the changes are presently visible in reports.” - Accounting Officer
  • “We can easily focus on improving the quality of our customer base and analyze the results received from sales when combining offer conditions that will best match the most profitable customer segment and create win-win situation for both parties.” - Operations Director
  • "From the beginning, Aspekt Leasing Software was successfully aligned with our growth strategy and helped us continually increase sales volumes and surpass predefined targets by offering endless flexibility and incorporation of changes." - CEO
  • “Generating invoices with automated operation eliminates the need for manual interventions and gives us more time to concentrate on analyzing financial results.” - Accounting Officer
  • "I’m able to control all internal processes directly from my office by spending minimal time for communication with colleagues and sharing thoughts on any kind of issues that may arise. " - Internal Audit