Frankfurt is the financial heart of continental Europe, home to the ECB and major lenders. We help financial institutions build credit decisioning capabilities that drive growth while managing risk.
The Credit Risk Challenge
Lenders must make accurate credit decisions quickly, approve creditworthy applicants competitors might decline, and ensure fair treatment—all while managing portfolio risk.
Our Credit Risk Solutions
Credit Scoring Models
Predictive risk assessment:
- Traditional models: Scorecards and logistic regression
- ML models: Gradient boosting and neural networks
- Alternative data: Bank transactions, rent, utilities
- Segment models: Tailored to applicant populations
Decisioning Engine
Real-time credit decisions:
- Score integration: Multiple scores and cutoffs
- Policy rules: Business rules and overrides
- Risk-based pricing: Rate assignment by risk tier
- Workflow routing: Automatic and manual queues
Model Governance
Regulatory compliance:
- Documentation: Model development and validation docs
- Monitoring: Performance tracking and drift detection
- Fair lending: Disparate impact analysis
- Audit support: Examination-ready materials
Portfolio Analytics
Ongoing risk management:
- Performance tracking: Vintage analysis and roll rates
- Stress testing: Scenario analysis and forecasting
- Concentration: Exposure monitoring
- Early warning: Delinquency indicators
Technical Capabilities
Model Development
- Feature engineering
- Model training and validation
- Champion/challenger testing
- A/B testing framework
Production Platform
- Real-time scoring API
- High availability architecture
- Audit logging
- Performance monitoring
Ready to improve your credit decisioning? Contact ZIRA Software to discuss your credit risk needs.