AI behavioural scorecards continuously re-score every customer in real time — detecting early warning signals of default 60+ days before they materialise, so you act, not react.
Portfolio: 14,820 Active Accounts
Reduction in unexpected defaults through early AI intervention
Average advance warning before formal delinquency appears
Faster risk intervention enabled by real-time behavioural signals
Behavioural variables tracked per customer across the full lifecycle
An AI behavioural scorecard is a portfolio monitoring model that continuously evaluates existing borrowers using real-time transactional, repayment, and bureau data. Unlike static credit scores created at origination, behavioural scorecards dynamically update risk predictions throughout the customer lifecycle — enabling early intervention, IFRS 9 staging accuracy, and proactive loss prevention.
Our AI analyses 100+ behavioural signals across transactions, repayment patterns, and bureau updates — identifying stress long before it becomes default.
Subtle changes in spending patterns, reduced discretionary income, and utilisation creep — invisible to manual review, caught immediately by AI.
Minimum-payment behaviour, balance transfers, and transactional anomalies trigger automatic watch-list escalation with team alerts.
Automated alerts trigger personalised outreach, limit adjustments, or restructuring offers — before the first missed payment occurs.
Track minimum vs. full payment patterns, frequency anomalies, and early repayment signals across all credit products.
Revolving credit utilisation above 70% sustained over time — a high-conviction leading indicator of impending financial stress.
Increased spend on essentials vs. discretionary reveals income pressure weeks before formal delinquency appears.
Real-time bureau refresh alerts for hard inquiries, new accounts, or defaults at other institutions.
Derived income proxies from transaction data detect customers whose effective income has declined significantly.
Cash advance spikes, ATM withdrawals, and transfer velocity are high-conviction early stress indicators.
Every customer re-evaluated daily with the latest data. No batch cycles — always current.
Multi-tier alerts escalate based on signal strength and account value — no alert fatigue.
Automatically segment portfolio into risk tiers and assign optimal treatment strategies.
Drill from portfolio exposure down to individual account behaviour with full historical view.
Full IFRS 9 provisioning with automated PD, LGD, EAD calculations. Audit-ready out of the box.
Connect to any LMS, CRM, or collections platform via pre-built connectors — live in 2–4 weeks.
The Behavioural Scorecard works seamlessly with our AI Application Scorecard for new originations and our AI Decision Engine for real-time automated approvals and policy execution.
Together, they form a unified credit risk intelligence platform covering the entire customer lifecycle — from application to portfolio monitoring and collections.
See how AI Behavioural Scorecards detect risk 60 days early and prevent losses across your entire portfolio.