A challenging economic and regulatory environment means decision makers are required to frequently assess the level of exposure to defaulting customers. The allocation of credit is a core driver of portfolio profitability for credit institutions, therefore, ensuring credit line decision management is efficient, compliant, and profitable is of paramount importance. Limit is an optimised credit limit management software solution that utilises off-book data, i.e., Experian bureau data, to create custom predictive models and mathematical optimisation to design strategies.
Limit can reduce credit losses, increase revenue potential, and improve the customer experience.
An advanced predictive credit limit assignment model built using industry attributes and customer data. AIS Limit is driven by two predictive models:
Using the two models, a mathematical optimisation is applied to determine the optimal credit limit assignments to individuals or segments of consumers. The model is continually monitored and tested to ensure maximum performance.
Download product sheetConfidently design credit strategies
Identify the ideal credit line to drive growth
Determine the optimal credit limits for new and existing customers
Automate underwriting processes and lower operational costs
Underpinned by accurate machine learning models