Pre-Built Scorecards Platform

Ready-to-Deploy Credit Scorecards

for Modern Banking

FINVIJ's pre-built scorecards combine decades of risk expertise with cutting-edge machine learning. Deploy production-ready models instantly or customize them to your specific requirements.

Expert-Built Models
Instant Deployment
Custom Configurations
Real-time Monitoring
Credit Scorecard Engine
Multi-Factor Risk Assessment
Live Processing
95.7% Accuracy
780
Credit Score
Payment History Excellent
Credit Utilization Good
Account Diversity Very Good
Credit Age Excellent
Recent Inquiries Low Risk
Debt-to-Income Good

Ready-to-Deploy Scorecard Categories

Choose from expertly crafted scorecards tailored to different data sources and risk profiles.

Bureau-Based Scorecards

Leverage traditional credit bureau data with enhanced scoring algorithms for comprehensive risk assessment.

  • CIBIL/Experian integration
  • Payment behavior analysis
  • Credit utilization patterns
  • Account diversity scoring

Banking & Financial Statement Scorecards

Advanced analysis of cash flow patterns, transaction behaviors, and financial statements.

  • Bank statement parsing
  • Cash flow analytics
  • Income stability assessment
  • Financial health metrics

GST & Alternative Data Scorecards

Harness GST compliance records, digital footprints, and alternative data sources.

  • GST return analysis
  • Digital behavior scoring
  • Utility payment patterns
  • Social data insights

Proven Performance Metrics

Our scorecards deliver industry-leading accuracy and performance, validated across diverse portfolios.

95%
Accuracy Rate
Cross-validated performance
40%
Risk Reduction
Vs traditional models
2.5x
Faster Deployment
Ready-to-use solutions
99.9%
Uptime
Enterprise reliability
Model Performance Over Time
Consistent accuracy across market cycles
89%
Q1 2023
92%
Q2 2023
87%
Q3 2023
94%
Q4 2023
96%
Q1 2024
95%
Q2 2024
95%
Avg Accuracy
2.1%
Default Rate
0.85
Gini Score
Model Accuracy
Industry Baseline (82%)

Transform Your Credit Decision Process

Deploy expert-built scorecards instantly or work with our team to customize models for your specific requirements.