Transform credit growth into smarter models and stronger results
01
Power every model with 500+ predictive borrower features
Turn raw official credit data from Credit Information Corporation into over 500 pre-engineered borrower attributes, capturing repayment habits, utilisation patterns, and delinquency signals. Build smarter, data-rich models that reveal borrower behaviour with precision.
02
Boost model accuracy by up to 20% with multi-year behavioural depth
Analyse both current and historical credit behaviour to uncover hidden risk trends. Anticipate defaults earlier, strengthen predictiveness, and make every scoring decision backed by years of behavioural insight, with results that typically vary by customer profile and loan segment.
03
Cut model development time by up to 40% with ready-to-use data
Eliminate the heavy lifting of manual feature engineering. With bureau-derived attributes ready to deploy, credit teams can move from data to validated models in record time, accelerating time to market and deployment agility, though gains may differ depending on use case and model complexity.
04
Increase approval rates by up to 30% with enriched credit modelling
Leverage 500+ engineered credit features to better distinguish good from risky borrowers. Expand credit access, improve acceptance rates, and reduce default exposure.
05
Tailor every feature to fit your lending strategy
Choose the borrower attributes that align with your credit policy, risk appetite, and model framework. Build scorecards and decision trees that truly reflect your portfolio, not a one-size-fits-all template.
From raw data to decision-ready attributes
Raw credit bureau data is transformed into 500+ calculated attributes, capturing both current and historical borrower behaviour, simplifying complexity and powering smarter credit models, policies, and decisions.
Smarter credit outcomes for every sector
Banks and traditional lenders
Modernise scorecards and credit models with 500+ engineered borrower attributes. Strengthen risk segmentation, fine-tune lending policies, and improve portfolio quality with data-driven precision that reduces default exposure and accelerates approval confidence.
Digital lenders and BNPL
Power faster, smarter credit decisions with bureau-derived features designed for speed and scale. Automate policy rules, enhance decision trees, and identify low-risk borrowers with confidence, enabling instant credit experiences that boost conversions without compromising on risk management.
Fintechs and neobanks
Embed intelligence directly into your digital platforms. Use derived bureau features to fuel in-app scoring, personalise credit offers, and build agile risk models that adapt as customer behaviour evolves, all without the need to design your own model.
Microfinance and rural banks
Build agile and ready-to-deploy scorecards to safely extend credit in underserved markets. Derived bureau features help assess thin-file borrowers, reduce over-indebtedness, and promote responsible financial inclusion, while maintaining efficiency and risk discipline at scale.
e-Commerce and marketplace platforms
Unlock embedded lending opportunities with bureau-powered borrower insights. Evaluate buyer and merchant creditworthiness, refine instalment plan eligibility, and create trusted ecosystems that balance growth with protection against delinquency.
Insurance providers
Incorporate borrower credit attributes into underwriting and pricing. Assess applicant stability and payment reliability to improve risk segmentation, support fairer premiums, and reduce claims exposure over time.
Make every credit decision smarter
With 500+ ready-to-use attributes, CBP Credit Features 500 transforms raw bureau data into actionable insights, giving you the clarity to reduce risk, the speed to approve faster, and the confidence to grow responsibly.