Leverage AI based credit risk assessment and debt management solutions to improve your overall portfolio performance. By automating the process of customer profiling based on risk profiles, we help you identify low-risk, high-value borrowers. Our solutions also minimize risk and enhance compliance by accurately estimating loan amounts and generating early warning notifications for proactive risk management.
Digital transformation amplifies data glitches. Data silos and data overabundance can result in an inadequate view of risk exposures, limiting the visibility of patterns and behaviors required for prediction.
As the lending landscape evolves, effective risk management and early detection are critical. Portfolio negligence, or inadequate monitoring of loan portfolios can lead to increased risk of delinquency.
As fraud tactics evolve, it becomes critical to consistently adapt and evolve your fraud detection and mitigation solutions. AI-based solutions help firms stay ahead of fraudsters and optimize their risk management
Failing to identify possible defaulters or rejecting qualified candidates can prove costly.
AI can improve structured finance decisions by accurately predicting ability to repay loans thus providing realistic forecasts of future cash flows.
Automating credit risk management helps minimize human intervention, reduce errors and save time.
Digitally-aware customers seek tailored products that can meet them at their point of need.
AI can help evaluate a loan applicant’s creditworthiness and determine whether to approve or reject the loan. This involves assessing the borrower’s financial history, credit score, and ability to repay the loan. It can identify data patterns and identify potential risks and opportunities, and automate time-consuming manual tasks such as data entry, credit score calculation, and financial statement analysis. Discover how Valiance helps clients with credit risk assessment.
When loan applicants submit their forms with details on their financial situation, credit history, and employment status, the AI can quickly calculate credit scores, recognize patterns, analyze financial statements and extract relevant information for loan originators and credit decision-makers to consider. With real-time insights and recommendations based on the loan applicant’s financial and credit history, credit risk professionals can make more informed lending decisions, quickly and efficiently.
AI-based credit default prediction can help financial institutions make faster, more accurate, and more objective lending decisions, reducing the risk of loan defaults and improving overall loan portfolio quality. Automated modeling builds predictive models while dynamically monitoring borrowers’ financial and credit histories.The constant flow of real-time alerts on the likelihood of default frees up human resources to focus on other aspects of the loan approval process.
As the number of loans made by a bank increases, so does the risk of fraud. Institutions are turning to AI for early detection of negligence and document fraud. Using image analytics, AI can detect subtle facial expressions to determine an applicant’s integrity. Investing in an AI-powered fraud detection can be a valuable asset to financial institutions seeking to mitigate risk and protect their customers. AI-powered fraud detection can help banks to prevent financial losses and protect their reputation. Advanced fraud detection measures demonstrate a commitment to ethical banking practices and can increase customer loyalty and trust.
An AI/ML-driven collection strategy engine empowers businesses to optimize their collection and recovery processes. By analyzing customer data and behavior, the engine dynamically provides rolling payment risk scores, payment risk propensity, and ML action recommendations for each customer. With this information, businesses can streamline their collections process and minimizing customer churn and saving money. Additionally, by focusing on their existing customer base through risk-calibrated cross-selling and up-selling, businesses can strengthen their overall financial performance while reducing customer acquisition costs, which research has shown can be up to five times higher than retaining existing customers.
Virtual fencing, a promising computer vision application, creates virtual borders for livestock management, animal protection, and worker safety. It provides effective and trustworthy solutions for varied sectors with real-time monitoring and automated alarm systems.
Our computer vision solution is a powerful tool for understanding the natural world and informing conservation efforts. Using computer vision to identify species can assist biologists, ecologists, and conservationists in automatically detecting and classifying varied flora and wildlife, protect endangered species by assessing their visual characteristics and preserve ecosystems. Seamless animal population monitoring and ecosystem health analysis simplify wildlife management and equip you with insights into habitat loss, climate change, and the impact of human activities on the environment.
Incorporate powerful object recognition and tracking capabilities to detect security threats and intercept potential breaches in airports and other high-security areas. Robotics and autonomous cars can also benefit from object identification and tracking. You can offer real-time object identification and tracking by evaluating and monitoring visual characteristics and patterns, improving surveillance, navigation, and decision-making. In the retail industry, our object recognition and tracking solution helps monitor customer behavior, analyze shopping patterns, and optimize store layouts and product placement to increase sales.
Leverage the power of computer vision to optimize your operations and ensure the highest standards for products and materials by enabling real-time image and video footage analysis, detecting defects and irregularities, and monitoring production lines in manufacturing. Analyzing visual patterns and features helps you quickly identify product defects or flaws in manufacturing and minimizes the need for human inspection. In construction, our technology identifies safety hazards, such as debris or obstacles, and ensures worker safety.
See how Valiance assisted one of India's largest NBFC (Non-Banking Finance Company) offering consumer durable loans to optimize the loan approval process based on customer risk profiles.
Valiance utilized machine learning to help India's premier house finance companies offering low ticket home loans to unbanked segments improve how they detected risky applicants during the loan origination process.
See how Valiance assisted one of India's largest NBFC (Non-Banking Finance Company) offering consumer durable loans to optimize the loan approval process based on customer risk profiles.
Valiance utilized machine learning to help India's premier house finance companies offering low ticket home loans to unbanked segments improve how they detected risky applicants during the loan origination process.
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