Tier 1 Global Spanish Bank

Early Detection of Defaults and Delinquencies

Data enriches our lives. It lets us see everything before is happens. Here at GCS Agile we give industry leading data driven insights to assist your business is future proofing your service.

The Problem

The bank was losing revenue to non-performing accounts and could accurately identify customers with a propensity to default on loan repayments.

The Solution

The solution created an early default detection system that identified loan repayment defaults 90 days prior to occurence. The system scored historical data and identified attributes of customers that are likely to default on their loan payment. These solution generated profiles that allowed the bank to take the appropriate steps to assist the customer.

The Benefit

As a result of its implementation, the system saved the bank EUR$M's from better assessment of non-performing loans and enhanced methods of analysis and modelling.