Banks & underwriters
De-risking credit portfolios with signals-based underwriting
Navigating risk in banking & underwriting:
The biggest challenges
Lagging risk indicators
Reliance on quarterly or annual financial statements that do not reflect current operational stress or decline.
SME credit inaccuracy
Insufficient, inconsistent data for small and medium enterprises in non-Tier 1 markets, leading to conservative and often incorrect risk scoring.
Post-lending visibility
Inability to continuously monitor a client’s health after a loan is issued, preventing early intervention on troubled assets.
Regional data quality
Difficulty sourcing clean, standardized data for company registries, legal notices, and procurement activity across fragmented regional systems.
API integration burden
Complexity and time required to clean, normalize, and integrate disparate risk data feeds into proprietary credit models.
End-to-end banking & underwriting solutions:
Addressing key challenges with signals
Proactive distress detection
Implement the Risk Radar to flag clients showing leading indicators of stress, such as workforce contraction, tender losses, or leadership instability, weeks before financial metrics drop.
Signals-augmented credit models
Use the Signals API to feed validated, time-series data directly into your credit models, dramatically increasing the predictive power for SMEs and enterprises.
Real-time exposure management
Utilize the Portfolio Workspace to continuously monitor all clients, instantly alerting underwriters when a borrower’s Contraction Score or risk rating breaches a pre-set threshold.
Superior data depth
Leverage our integrated access to local registries and legal notice feeds in the Nordics, the Baltics and Africa to strengthen coverage where traditional credit bureau data is weakest.
Automated legal & registry checks
Track real-time changes in company registrations and leadership filings, instantly flagging potential legal notices, director changes, or rapid branch closures that indicate fraud or insolvency risk.
