Lenders

Lender Solutions

There’s no shortage of data and analytic services in today’s marketplace, but taking advantage of these tools requires the know-how of experienced lenders. At TruDecision, we are experts with a proven track record for creating analytic tools, optimizing performance, and building auto finance platforms from start-up to billion dollar producers.

See What Our Clients Are Saying About Us!

“As we grow our company, it is imperative that we maintain tight control over both portfolio quality and expense. TruDecision’s models helped us achieve superior credit performance, while their risk management outsourcing delivers big company service levels for the cost of a single analyst.”
– Scott Raymer, President, RumbleOn Finance

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“The experts at TruDecision have become our trusted risk management advisors.  Their rebuild of our credit scoring system resulted in reducing our credit losses by 41 percent while increasing volume 29 percent.  We know precisely who to call when we want to make an impact to our bottom line.”
– Micky Watts, Senior Vice President, Anderson Brothers Bank

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Working with TruDecision Inc. has been one of the best decisions Smart Finance has made, both on the economic and personal side. The level of professionalism and attention to detail that we were treated to was complemented by a product and solution second to none. Upon deploying the TruDecision Expert Auto Score into our daily operations, we saw an immediate impact in our ability to reduce the need for repossessions by 50 percent, with an increase in our volume and yield.”
– Aldo Civetta, Partner and Chief Financial Officer, Smart Finance

Powerful Analytics Combined with an Experienced Lender’s Perspective

TruDecision provides lenders with innovative and proprietary data analytic and automated decisioning solutions to evaluate applications effectively and efficiently while also delivering accurate views into application and portfolio risk.

 

Our robust offerings employ cutting edge machine learning and A.I. algorithms that provide significant predictive power leveraging millions of consumer records delivered quickly through customers’ loan origination systems. 

TruDecision is a suite of innovative data and predictive analytic solutions designed to:

Enhance underwriting capabilities and maximize decision accuracy with proprietary credit scoring and income validation models

Optimize the origination process for improved closure rates and lower overall costs

Reduce portfolio risk with recovery forecast models; optimize collections strategy; increase vehicle recoveries; and maximize yield

Expert Score

Custom tailored to each lender’s unique risk profile, Expert Score provides a more accurate assessment of, and deeper insight into, the credit payment risks of sub-prime borrowers.

Built using multiple credit and consumer behavior models that account for widely varied profiles of sub-prime customers

Integrates seamlessly with existing program tiers and pricing structures

More powerful, cost effective and reliable than traditional and custom models

Built by experienced sub-prime lenders

Calibrated for credit cycle changes

Loss estimates uniquely calibrated to each lender’s portfolio

Income Validation Model

Enhance your ability to assess an applicant’s capacity to pay with TruDecision’s Income Validation Model.  This tool improves decision-making by validating the customer’s stated income against numerous models and data sources, providing the lender with valuable insight and efficiencies in the verification process. Selectively reduce stips on low-risk consumers, while targeting verification resources where they are most needed.

Measures a customer’s ability to maintain an income stream over time.

Focus your time and money on verifying the most risky segments

The result: stronger risk management, better fraud detection, and responsible and timely credit decisions

Measures a customer’s ability to maintain an income stream over time.

Income Validation Model

Enhance your ability to assess an applicant’s capacity to pay with TruDecision’s Income Validation Model.  This tool improves decision-making by validating the customer’s stated income against numerous models and data sources, providing the lender with valuable insight and efficiencies in the verification process. Selectively reduce stips on low-risk consumers, while targeting verification resources where they are most needed.

Measures a customer’s ability to maintain an income stream over time

Focus your time and money on verifying the most risky segments

The result: stronger risk management, better fraud detection, and responsible and timely credit decisions

Expert Collections Score

Prioritize accounts with higher and lower risk of rolling to collect more dollars with fewer resources.  TruDecision applies their customized suite of proprietary attributes to your data to collect more dollars with less expense.

Identify accounts that require minimal effort

Focus on accounts needing more intensive treatment

Reduce roll rates and collect more dollars

Load balance effort to minimize seasonal staffing issues

Custom Models

Customized predictive solutions to help lenders optimize credit decisioning, pricing, recoveries, closure rate and collections effectiveness

Solutions based on a lender’s historical performance, balanced with an assessment of external data sources to ensure robust performance in changing environments

Custom Models

Drive superior results with TruDecision’s Custom Model Development.  Over two decades of experience building and deploying models on multi-billion dollar portfolios.  Proven expertise, thousands of proprietary data attributes and cutting-edge modeling sophistication applied to your data.

Custom Acquisition Credit Scoring

Behavioral Scoring

Deferment Scoring

Price Optimization

Collections Staffing

Loss Forecasting and Provisioning

Become a Lender Partner

Partners

TruDecision is aligned with several key integration partners in driving transformational change for our dealer and lender clients.