Ferryt Scoring/Rating

Ferryt Scoring/Rating is a highly efficient tool that comes with a decision engine to model and calculate scoring, rating and other. The module makes it possible to define complex, parametrized models and to analyse the scoring/rating results with the use of analytical tools.

See the module application


Scoring/rating engine
Scoring/rating engine

The module encompasses the following calculations:

  • application and behavioural scoring
  • rating models
  • anti-fraud models
  • risk and creditworthiness assessment models
  • activation, usage and response scoring
  • cross- and up-selling
  • attrition scoring

Calculation rules for the needs of credit processes
Calculation rules for the needs of credit processes

Ferryt Scoring/Rating is also used as a module of calculations for the needs of credit processes, including:

  • APRC
  • calculation of loan amortisation schedule
  • calculation of the borrower’s net income
  • smart request queuing
  • automation of the selection of processing paths
  • skill matrix

Periodic input calculation
Periodic input calculation

This module is also used to perform recurrent calculations resulting in a data set input:

  • recalculation of pre-approved quotes
  • calculation of umbrella limits
  • client classification
  • generating warning signals

Selected module functions

  • model repository management
  • models and calculation versioning
  • accessibility and rights management
  • two modes of calculation logic editor:
    • basic – using creators
    • advanced – language of calculation formulae
  • connecting external data sets
  • integration with on-line interfaces

  • a priori testing (on test data)
  • analysis of the track record of models calls
  • a posteriori verification (on real life data
  • analytical module to examine models behaviouri
  • tool’s high efficiency
  • on-line, database and file API available

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