Credit Score Card
For a Fintech Company
- The Client is on of the biggest online payment gateways & the Client has about 20 million customers.
- More than half a million transaction per day are done through the platform, It serves more than 10,000 merchants.
- The client wanted to extend temporary credit facility to some customers for ease of transactions.
- There is no customer demographic data for credit scoring, the transactional data is huge and unstructured.
- G-Square helped build rules on top on transaction and web-behavioural data for credit scoring.
- Benchmarking was done on actual default/delayed payment data.
- The rules were automated using big-data tools.
- Machine learning was used to automatically update the rules on an ongoing basis.
- A ML driven Buy now and Pay later model was built & handed over to the client where Specific customers could be given or not given the temporary credit facility based on the model
