Solution blueprintFinance

Credit risk scoring and early-warning signals for an NBFC

Machine-learning credit scores with clear reason codes, plus an early-warning model that flags accounts likely to fall behind on payments.

Solution blueprint. This describes how BigAI delivers this type of project, using our products and methods. It is not a specific client engagement.

The challenge

Many borrowers have thin credit files, and problems surface only after payments are missed. Lenders need fairer scoring and earlier warning, with explanations regulators accept.

Our approach

  1. Build a governed data mart from loan, repayment and approved alternative data.
  2. Develop scoring and early-warning models, tested for stability and fairness.
  3. Provide reason codes for every decision.
  4. Monitor model performance and drift after launch.

The solution

  • Credit scoring model with reason codes
  • Early-warning model
  • Risk data mart
  • Monitoring dashboard

What we measure

  • Default rate by score band
  • How early at-risk accounts are flagged
  • Approval turnaround time
  • Model stability and fairness metrics

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