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

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

Introducing Earnix Lending Plus:

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 hand-offs? 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 lenders to see the “big picture” of their portfolio performance.

Key Platform Features:

  • Transparent credit risk decisioning

  • Price optimisation, simulation, and forecasting

  • Balance between risk, loan profitability, and volume

  • Built-in governance

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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 optimised for risk, profitability, volume, or other combination of KPIs

Profitability uplift and enhanced portfolio performance

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 hand-offs

Automated credit decisioning and improved approval rates

Price optimisation

  • Profitability optimisation 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

Price optimisation
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 | 12-15 bps profit uplift | Rule and price changes are updated in real-time without IT handoffs | 12 Alternative Deal Structures optimised and decisioned in real-time

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About Earnix

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