Credit Risk Management

Smarter Credit Risk Decisions Built for Growth

Go beyond traditional scoring. TrustDecision integrates credit and fraud insights to help lenders personalize limits and pricing, detect early risk signals, and optimize performance across various customer profiles.

Your Device Fingerprint Result

  • Device ID
  • Language
  • IP
  • Screen Resolution
  • Browser
  • Device
  • Cookie Status

Uncover Insights About the Device You’re Using Now.

Run a test

01
Comprehensiveness

Understand Borrowers Beyond Credit Score

Unify behavioral, transaction, device, and identity data into a single borrower profile—allowing you to assess creditworthiness alongside fraud risk, repayment behavior, and financial intent, from day one. Pre-qualify and acquire customers by recommending credit product that suits them.

02
Agility

Dynamic Credit Strategy for Smarter Decisions

Adapt to borrower behavior, product lifecycle, and market shifts with strategy that supports real-time credit limit adjustments, pricing personalization, and A/B tested segmentation—no hardcoding required.

03
Proactiveness

Reduce NPL with Continuous Loan Monitoring

Our early warning system tracks behavioral shifts and payment deviations automatically—empowering you to adjust credit lines, trigger engagement, or re-score borrowers before delinquency escalate.

04
Inclusion

Lend Confidently to New-To-Credit Customers

Enrich thin-file borrower evaluation with telco data, digital behavior, and repayment histories across our regional network—helping you to underwrite responsibly in data-scarce environments without compromising risk controls.

Full-Lifecycle Application Fraud Detection

Protect every step of the lending journey, from registration to disbursement—with continuous risk screening

Registration

Challenges
Fraudsters use virtual numbers, bots, and proxy IPs to mass-create fake accounts.
Impact
Block fake registrations early to reduce downstream fraud, save onboarding costs, and protect system integrity.

Login

Challenges
Stolen credentials and brute-force attacks lead to account takeovers and session hijacking.
Impact
Prevent unauthorized access and protect customer trust with continuous authentication and device-level risk monitoring.

Identity Verification

Challenges
Fraudsters exploit deepfakes, synthetic IDs, and stolen documents to impersonate real users.
Impact
Strengthen your KYC process and meet compliance requirements with advanced anti-deepfake and identity verification capabilities.

Loan Application

Challenges
Fraud rings and repeat offenders commit loan stacking, collusion, and synthetic ID fraud at scale.
Impact
Reduce fraud loss and improve loan book quality with real-time application risk scoring and cross-platform intelligence.

Disbursement

Challenges
Fraudsters exploit credit limits, redirect funds, or use mules to launder money post-approval.
Impact
Secure the last mile of the lending journey by detecting abnormal disbursement behavior and preventing fund misuse.

How It Works Across Your Lending Journey

Application & Onboarding

Challenges
Fraud rings use fake, stolen, and synthetic identity to open new account and stack loans.
Impact
Identify illicit registrations and stop fraud ring activities upfront while ensuring smooth onboarding for real customers.

Underwriting &
 Credit Decisioning

Challenges
Incomplete data and manual processes make it hard to assess affordability and creditworthiness accurately.
Impact
Accelerate credit approvals and reduce default risk with alternative data insights and automated scoring.

Disbursement 
& Activation

Challenges
Hidden inconsistency of borrower’s account that might indicator an account takeover or proxy borrower risk.
Impact
Last mile rechecks to flag inconsistencies before funds are released, ensuring money goes to the right customer.

Loan 
Monitoring

Challenges
Risky borrowers show warning signs like sudden behavior changes and spiked credit limit request, indicating a chance of default.
Impact
Detect anomalies instantly with behavioral analysis and dynamic scoring, intervene early to stop potential loss.

Collections & Recovery

Challenges
Traditional collections struggle with poor contractability and low recovery efficiency.
Impact
Score collection risk, predict contractability, and optimize recovery strategies to maximize repayment.

Fraud Prevention

No items found.

Credit Risk Management

No items found.

Not Just A Solution, We’re your Tech partner that delivers

01
Expert-Led Consultation & Planning

We help you identify threats and build risk strategies tailored to your business.

02
End-to-End Deployment & Integration

Our team handles implementation from system integration to go-live support.

03
Continuous Optimization & Tuning

We keep your rules, models, and strategies up to date, as fraud tactics evolve.

04
Empowering Your Team

We train your team to get the most value out of our platform, fast.

Dive into More Insights and Our Case Studies

The Bad Apples of Loan Brokers: How They Falsify Borrowers and Defraud Lenders

When applicants collude with loan brokers, how can financial institutions see through fabricated profiles and deploy defenses at every stage of credit risk analysis.
Challenges
  • Profile fabrication
  • Loan stacking
  • Hidden collusion

Credit Risk Analysis: From Traditional Methods to Digital & AI-Driven Approaches

Transform credit risk analysis by replacing slow, manual methods with AI-powered, real-time scoring, accelerating approvals, reducing defaults, and supporting growth at scale.
Challenges
  • Manual underwriting
  • Poor scalability
  • High defaults

Frozen Till It’s Not: The Slow-Burn Strategy Behind Sleeper Fraud

When fraudsters play the long game to trick lending systems, financial institutions must act swiftly. Identify coordinated behavior early and protect platforms at scale.
Challenges
  • Dormant accounts
  • Inconsistent behavior
  • Device anomalies

FAQs About TrustDecision’s Credit Risk Management

Does the system support both traditional credit bureau data and alternative data sources like telco,
e-commerce, utility, or behavioural data?

Yes. TrustDecision is designed to integrate and analyze both traditional and alternative data sources to deliver more complete and inclusive credit risk assessments.

Supported data sources include:

  • Traditional Credit Bureau Data:Central bank credit reports, bureau scores, repayment history, inquiry records, and existing credit exposure.
  • Alternative Data Sources:
    • Telecom: Call/SMS patterns, top-up behavior, payment regularity
    • E-commerce: Purchase history, cart value trends, repayment behavior on BNPL
    • Utilities & Bills: Electricity, water, mobile payments
    • Device Intelligence: Device fingerprinting, location patterns, device stability
    • Behavioral Analytics: Session activity, navigation paths, login patterns

By combining these datasets, TrustDecision helps lenders evaluate thin-file or new-to-credit applicants more effectively — and deliver credit decisions with higher precision and lower risk.

How does TrustDecision handle thin-file or new-to-credit applicants?

TrustDecision enables financial inclusion by building alternative credit scores using:

  • Telco and e-commerce transaction data
  • Device intelligence and behavioural signals
  • Geolocation and digital footprint analysis

It supports:

  • Segment-based strategies (e.g. step-up lending, low initial limits)
  • AI-driven behavioural scoring after onboarding
  • Dynamic credit limit management based on repayment patterns

This empowers lenders to serve underbanked populations while managing risk effectively.

Does the system support loan monitoring and early warning of repayment risk?

Yes. TrustDecision includes a full in-repayment monitoring framework that tracks:

  • Repayment behaviour and credit usage trends
  • Early signs of delinquency or risk escalation
  • Trigger events for intervention or collections workflow

It uses AI-driven models to segment customers by risk and recommend actions such as limit freezes, messaging alerts, or collection prioritization. This helps reduce NPLs and improve overall portfolio health.

What types of customer data are used in TrustDecision’s scoring engine?

For Individual Borrowers:

  • Demographics: age, income, employment, education
  • Digital behaviour: browsing, login patterns, usage history
  • Financial data: credit history, repayment trends, account balances
  • Alternative data: device fingerprint, social security, tax, e-commerce
  • Risk signals: blacklists, court records, multiple borrowing patterns

For MSMEs (Micro, Small, Medium Enterprises):

  • Business profile: registration, size, sector, license type
  • Financial metrics: revenue, tax data, debt ratio, cash flow
  • Owner profile: credit behaviour, business affiliations
  • Ecosystem context: supply chain dependency, geographic risk
  • Transactional behaviour: banking, digital payment flows, invoicing
What types of loan products are supported by the decision engine?

TrustDecision supports decisioning for a full range of lending products including:

  • Personal loans and credit cards
  • Microfinance and nano-loans
  • BNPL and consumer installment loans
  • Auto loans, P2P, and SME working capital
  • Mortgages and secured lending (via external data connectors)

All products can be handled using customizable rules, scorecards, and models within one unified platform.

Consult Our Expert

Let’s discuss your goals – whether it’s reducing fraud losses, improving credit approvals, or scaling risk management.

Get In Touch