Helping Lenders Make Smarter Credit Decisions
40+ years of tailored modeling, software, and consulting expertise
Who Are We
Transform your credit decisions with 40+ years of proven expertise that major companies like American Express, Citibank, Mercedes Benz, and Verizon trust. CBD CREDIT builds custom scoring models, seamlessly integrates within loan origination systems, and provides strategic consulting on collection optimization and portfolio performance—helping hundreds of lenders worldwide make smarter, more profitable credit decisions.
Key Benefits:
Increase customer base without increasing risk
Reduce default rates and save on credit losses
Measurably lower the cost of collections
Provide consistency in lending
We combine more than 30+ years of expertise, with sophisticated, state-of-the-art proprietary scoring models that are built upon advanced analytic techniques and a world class suite of software products, in order to help our clients achieve their goals.
Using a structured methodology, we are able to speed up the entire interactive modeling and validation process to deliver smarter, faster and more consistent solutions. CBD has now started incorporating Artificial Intelligence (AI) techniques to further enhance their modeling process. The development process includes a Situation Analysis meeting to discuss the requirements and needs, data gathering, data analysis – that includes calculation of over 500 variables from bureau reports and analyzing the performance of the portfolio, doing a Preliminary Statistical Analysis – where about 500+ variables are calculated and ranked, doing a Multiple System Analysis to see if additional models will provide a significant lift in decision-making, developing the models and finally, implementing them into the CBD software that can be accessed through any Loan Origination Software, or CBD software.
DecisionStation™
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DecisionStation™ allows you to easily implement and manage scorecards and provides full loan origination processing by pulling bureau reports and allowing decision-making using scorecards and tiers.
Our software can provide you with a robust and flexible Loan Origination system in a web environment. It can also integrate with other Loan Origination providers to deploy scorecards and lending rules. The software provides application capture and processing along with bureau report-pulling, custom and generic scoring, policy and rules implementation, Tier based pricing, real-time report generation, collections and behavioral record analysis platform(s) with import/export facility, and much more in a highly secured environment. The software, called ‘DecisionStation TM‘, allows you to easily implement and manage scorecards and does full loan origination processing by pulling bureau reports and allowing decision-making using scorecards and tiers.
How Can We Support Your Enterprise
If your business grants credit to consumers or other businesses we can help you. This table will enable you to determine which products and services you need.
