Earnix

Streamlining Auto Finance:
Pricing Analytics + Credit Risk Decisioning on a Single Platform

Introducing Earnix Lending Plus for Auto Finance:

AI-Driven Pricing Analytics and Credit Risk Decisioning Platform

Do you often stress out about the complexity of your pricing and credit decisioning solutions, requiring multiple handoffs? Are you tired of constantly asking your IT team for help whenever a rule adjustment is needed? Do you struggle to accurately forecast loan profitability or volume based on changes in pricing strategy or adjustments in underwriting rules?

Earnix is proud to introduce Lending Plus - a combined pricing analytics and credit decisioning solution that allows auto lenders to see the “big picture” of their portfolio performance.

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Profitability uplift and enhanced portfolio performance

  • Joint simulation capabilities help forecast the impact of decisioning logic changes before they are implemented

  • Integrated pricing and credit decisioning forecasts

  • Each lending decision is optimized for risk, profitability, volume, or other combination of KPIs

Automated credit decisioning and improved approval rates

  • Streamlined credit approval process to reduce manual interventions

  • A/B testing and side-by-side comparison of credit decisioning strategies

  • Decision rule changes are updated in real-time without IT handoffs

Price optimization

  • Profitability optimization without impacting volume or risk profile

  • Real-time or as-needed updates led by the business teams

  • Scenario simulations and visual dashboards for pricing strategy analysis

Earnix Lending Plus: Pricing Analytics + Credit Risk Decisioning on a Single Platform
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Amazing Results from a Tier-1 North American Lender using Earnix Platform

Increased auto-approval rate | Reduced manual interventions | 12-15bps profit uplift | Rule and price changes are updated in real-time without IT handoffs | 12 Alternative Deal Structures optimized and decisioned in real-time

Read Our Blog Post!

About Earnix

Earnix is a global provider of real-time, AI-driven dynamic pricing, product personalization, and digital decisioning solutions for financial services industry including consumer lending, auto finance, mortgages, and more. Our agile pricing engine makes personalized offers a reality, shortening time to value and closing the business before competition can react.