Success Story
AI/ML-Based Data Analytics Solution Allows 93% Accurate Prediction of Delinquent and Written-Off Customers for a US-Based Commercial Lender
Client Introduction
A well-known commercial lending institution based in the U.S., which provides leasing and financing solutions to equipment dealers, manufacturers, government agencies, and other businesses.
Problem Statement
The institution faced significant financial delinquencies, wherein the borrowers had failed to repay the loan timely or did not make any payments. Additionally, it had to write off several customers with no scope for recovery. The issue led to considerable overdue and financial losses.
Solution Offered
Anaptyss leveraged its lending industry knowledge and expertise in AI-enabled data analytics technologies to develop an AI/ML-powered predictive model that could forecast the probabilities of defaulting borrowers with high accuracy and reliability.
Key Solution Delivered
Key Solution Delivered
- Predictive analytics solution to forecast the probability of delinquent and written-off accounts
- Integration of AI-ML and deep industry knowledge to optimize decision analytics, maintaining an equilibrium of quantitative and qualitative indicators
- Provision of objective rationale for credit decisions
- Advocacy of Explainable AI, respecting interpretability with model accuracy
Business Outcomes
- Approx. <strong> 93% accuracy</strong> in predicting delinquent/written-off customers.
- Population Stability Index <strong> (PSI) of 0.19,</strong> indicating an up-to-date model.
- Receiver Operating Characteristic<strong> (ROC) of 72%, </strong> demonstrating a highly efficient and effective model for distinguishing good and bad actors.
Ready to Transform your Operations
From strategy and solution design to enterprise deployment and managed operations, Anaptyss helps organizations turn AI ambitions into trusted, scalable business capabilities.
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