Lenders

Lender Solutions

Consumer information is abundant.  It’s knowing what to do with it that matters.
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.

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

Recovery Model

 

Vehicle recoveries are a function of supply, demand, fuel prices, production levels, new car sales and many other factors that are not captured in the lender’s historical data.  The TruDecision Vehicle Recovery Model integrates comprehensive market data to provide a forward-looking value that gives lenders more precision when assessing residual or recovery risk.

Utilizing hundreds of data sources on the economy, production levels, disposal rates and industry recovery trends

Invaluable in refining credit programs to be more competitive

A powerful tool for collections and recovery prioritization

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

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

Become a Lender Partner

Partners

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