Personal Loan & Mortgage Loan

Re-pricing personal & mortgage loan. Minimizing your risk and optimizing your return.

Applying Machine Learning techniques combine with RAROC approach, we provide the decision of cancelling a loan or making the adjustment on terms of a loan to get the accepted risk vs return level.

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AI-powered Consumer Lending system

  • RAROC indicator, with delinquency rate and prepayment rate interpolation, combining with Credit Score could help to make the right decision on each loan.
  • Taking into account the precise delinquency rate and prepayment rate to run the cash flow of each loan would bring the benefit to both financial institutes and borrowers though correctly pricing a loan.

AI-powered Mortgage Lending system

  • MBS pricing.
  • Incorporating RAROC to fully evaluate the risks and bring the higher profit.