Credit Scorecards

Pre-Built Credit Scoring Models

Deploy industry-validated scorecards for retail and MSME segments. Reduce time-to-market with pre-built models that can be customized to your portfolio.

65+
Gini Score
High Performance
Score Distribution
Low Medium High
Retail
MSME
Behavior
Alt Data
45% KS Statistic
<5% PSI Drift
50+ Lenders
4 Week Deployment

Platform Capabilities

Enterprise-grade scorecard development and deployment platform

Pre-Built Models

Ready-to-deploy scorecards for personal loans, home loans, vehicle finance, and MSME lending built on Indian credit data.

Easy Customization

Adjust score ranges, cut-offs, and weightages through an intuitive interface without rebuilding models.

Validation Suite

Built-in Gini, KS, PSI, and CSI calculations with automated model validation reports for regulatory compliance.

Champion-Challenger

A/B test new scorecards against existing models with statistical significance tracking and automated rollback.

Scorecard Documentation

Auto-generated model documentation including variable definitions, score distributions, and performance metrics.

One-Click Deploy

Deploy scorecards to production with version control, rollback capability, and real-time monitoring.

Available Scorecard Models

Pre-built and validated for the Indian credit market

Retail Scorecards

Comprehensive scoring models for individual borrowers across various loan products.

Personal LoanHome LoanAuto LoanCredit CardConsumer Durable

MSME Scorecards

Specialized models for micro, small, and medium enterprise lending with limited data.

Business LoanWorking CapitalLAPInvoice FinanceEquipment Finance

Behavior Scorecards

Predict future customer behavior based on account performance and transaction patterns.

DelinquencyAttritionCross-SellCollections

Alternative Data Models

Score thin-file and new-to-credit customers using alternative data sources.

Digital FootprintBank StatementGST ReturnsUtility Bills
Why FINVIJ Scorecards

Proven performance across Indian lending portfolios

65+

Average Gini coefficient

4 Weeks

Time to deployment

RBI

Compliant documentation

50+

Lenders using our models

Ready to Deploy Better Scorecards?

Accelerate your credit decisioning with pre-built, validated scoring models.