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  • CEO
  • To boost our company sales, we are planning to provide loans to individuals.
  • Yes, starting next month we will be offering 3 types of loans to our customers- education, renovation and personal loans.
  • XXX Digital BankBoard Meeting
  • Director
  • CFO
  • This is good news ! So what is the progress of this ?
  • My team and I are currently reviewing our company's loan application process and revising our credit policy.
  • Please ensure that the loan process has been checked thoroughly especially credit analysis as it helps us evaluate applicants' loan request to determine their ability to meet the debt obligation
  • I agree, It also helps us to assess how severe the losses will be if they are unable to meet the debt obligation
  • XXX Digital BankBoard Meeting
  • Yes do not worry, I will be meeting with our credit analysis department later
  • Board meeting : XXX Digital bank discussing the types of loans they will be offering
  • PAYMENTHISTORY
  • CREDITHISTORY
  • OUTSTANDING LOAN
  • DEMOGRAPHICDATA
  • We will be using the traditional credit evaluation to perform credit analysis.
  • You may also give feedback along the way.
  • Board meeting : Discussing the importance of credit analysis
  • 1 week later....
  • With the help of machine learning models that automate identify data patterns, I'm now able to verify them and perform credit analysis
  • APPROVED
  • Transaction DataSocial Profile DataSocial Network Analysis
  • Board meeting : Discussing the importance of credit analysis
  • 1 month later....
  • That is great to hear, keep up the good work!
  • Thanks to the reliability of the model, most of our customers are paying their loans on time. Overall, our company's loan is doing quite well
  • Meeting room : CFO briefs the company's credit analysts
  • Credit analyst
  • Credit analyst
  • Office : using alternative data for credit analysis
  • Board meeting : Evaluating the company's performance
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