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
Built using industry attributes and customer data
An advanced predictive credit limit assignment model built using industry attributes and customer data. AIS Limit is driven by two predictive models:
- Balance Model which predicts a consumer’s credit balance behaviour, depending on the limit they are assigned.
- Probability of Default Model which predicts the likelihood a customer will default on their outstanding balance.
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.
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How can I access Limit Management?
We will provide a solution that fits with your budget and requirements, but you can rest assured that our data is collected, compiled and delivered to the highest possible quality.
Request a consultationThe benefits at a glance
Credit strategies
Confidently design credit strategies
Drive growth
Identify the ideal credit line to drive growth
Determine the optimal credit limits
For new and existing customers
Automate underwriting processes
Lower operational costs
Machine learning
Underpinned by accurate machine learning models