Risk insights to empower your credit decisions
Identify risks and opportunities at once. Widen your target segment, build personalised credit products to boost LTV. Proactively take actions to mitigate defaults and maximise recoveries.
Fego's intelligent product-suite enables lenders to leverage Open-Finance to enhance affordability and risk assessments. Our checks and predictive insights help lenders streamline underwriting, improve accuracy in decision-making, track customers post-disbursements and even support customers through our engagement tools.
Understand loan needs and make informed credit decisions with user's enriched transaction data. Analyse creditworthiness with financial behavioural traits and aspects like:
Loan need estimate
Ability to repay (based on surplus cash & regularity of spending pattern)
Intent to repay (based on bill payment patterns and purposeful deflection)
Liquidity / Emergency expenditure probability
Adopt a targeted strategy with deep segmentations based on the financial behaviour of users in different cohorts. Choose the right customer segment for your offerings. Data points include:
Potential borrower segments
Fraudulent Intent / Risky customers to avoid
Wallet Share / Missed opportunities
Personalise collection strategy based on the user's financial behaviour and cash flow. By using advanced analytics and machine-learning algorithms, get early-warning signals and the features of at-risk customers including:
Negative shift in intent or ability to repay
Balance run out moment
Intentional bounce / Job loss / Compulsive spending
Excessive spending in the first week of the month / Emergency spending / Loan stacking
Best time to collect
Differentiate your collection efforts using deeper customer segmentation, demographics, and emerging customer portfolio views. Identify high-risk borrowers in advance and develop more effective, targeted collection strategies to encourage them to repay their debts by understanding:
Potential default segments (by age and income)
Early outs (Foreclosure accounts)
Make informed credit decisions using user's enriched transaction data. Identify behavioural traits and find potential assessment gaps including:
Frequent account opening
Previous instances of intentional defaults
Create a user categorisation for suspected frauds and investigate the highest priority ones to minimise the impact.
Target by credit worthiness
Target by loan requirement score
Target by loan consolidation needs
Learn how to use FegoIntel Risk Insights APIs to make risk assessment real-time, effective and nimble.
Innovate faster, deliver personalised financial experiences & deepen customer engagement with enriched transaction data
Widen offerings and go-to-market faster with nimble products and seamless financial insights
Introduce finance to your users and be at the cutting edge of finnovation by building on top of Fego