Technology and tools
Credit risk management solutions and tools play a crucial role in the lending-as-a-service businesses and are in DNA of NewSchool team. These solutions encompass various components that work together to assess, mitigate, and monitor credit risk effectively
KYC/Client Onboarding
- ID, AML, credit checks via integrated application webpage
- Integration with CRM
Loan Management System
- Robust loan origination, servicing, and collection features
- Automated repayment scheduling and tracking to streamline loan management
Credit Scoring
- Robust credit scoring models that leverage data analytics, machine learning and historical performance
- Tailoring of scoring models to suit specific geography/regulations
- We manage risk using borrowers’ scores, behavior, and the macro context of their country/region
- Stress testing to evaluate the resilience of the loan portfolio under various economic scenarios
Portfolio Management
Scalable Architecture
- Scalable infrastructure with seamless integration to accommodate business growth and increased user activity
- Reliable and secure technology stack to ensure data integrity and user trust
Data Analytics and AI
- Combining financial, transactional, and alternative data for comprehensive creditworthiness assessment
- Use predictive modeling and AI to forecast credit risks and detect future financial challenges
Regulatory Compliance
- Stay compliant with local and international regulations with built-in compliance features
- Regular updates to adapt to changes in the regulatory landscape
Front-end Sales Channels
- Development of native app, mobile responsive web, UX/UI customary to the client’s branding
- Offline branches, third party sales channel integrations
Consumer Loans (Secured/ Unsecured)
BNPL
P2P Crowdlending Platform
Auto Leasing/ Rent
Credit Lines
Technology and tools we provide
Products you can offer your customers
Data Mining, Machine Learning and AI
Business Analytics and Intelligence (BA & BI)
KYC/AML/Client Onboarding
Compliance and Regulatory Assistance
Scalable Infrastructure
Machine Learning Credit Scoring
Debt Collection Strategy and Optimisation
Sales Channels (Mobile App, Web, Offline Branches)
De-risking
Strategic partner
- Business plan review and assessment
- Regulatory review
- Technology and integration planning based on the current client’s available infrastructure
- NewSchool offers clients a comprehensive preliminary assessment of the lending venture, analyzing potential challenges and opportunities in chosen geographies
- This process provides data-driven insights and qualitative analysis for launching lending business, aiding informed decision-making
- We collaborate with our clients to refine strategies, incorporating best practices we employed in previous successful ventures. This proactive approach ensures that clients enter the lending landscape with a robust business plan for long-term success
- NewSchool is not merely a technology provider – we are a strategic partner dedicated to empowering our clients throughout their lending journey
- Key deliverables and outputs at landscape assessment and business case review
Leveraging our extensive experience and success in launching consumer lending businesses across diverse geographies, we understand the intricacies of navigating various regulatory environments and have honed a deep understanding of the global lending landscape
Our approach
Get in touch
Drop us a line and we will contact you.