Creditinfo created the support to change the credit decision environment. We delivered application processing systems, decision analytic consultancy and support, credit scorecards. Deliver was not a one off approach, however, working closely and regularly reviewing the policy rules, credit limits and referrals the quality of decisions was incrementally improved over time.


  • The bank centralised all its decisions enhancing considerable the control over decisions.
  • The percentage of decisions made automatically went from 0% to 70% over 3 year period.
  • The average bad debt losses as a percentage of new loans dropped by over 50%.
  • The local team after training and knowledge transfer increased their independence and management of the process over time.
  • Creditinfo provided an initial expert scorecard, which was reviewed and amended on a small manually captured sample.
  • Post implementation the decision process, scorecard and strategies was reviewed on a quarterly basis.
  • Workshops were held with the risk management team and recommendations presented to the executive
  • Changes made to data captured, process efficiency (egcertain time consuming checks removed for low risk), business rules and cut-offs.