Forward Credit Scoring 

Forward Credit Scoring is a specialised module for calculating risk scores within the creditworthiness assessment process for leasing and rental operations.

Forward Credit Scoring can be integrated into the existing ecosystem of leasing and rental companies by connecting it to the front-office and PEF platforms (Electronic Credit Facility Applications) already in use.

Designed to give leasing and rental companies full autonomy in defining and configuring risk-calculation rules in accordance with corporate and Group credit policies, the module enables the creation of multiple scorecards for assessing different leasing and rental production clusters. Assessments can be tailored to applicant categories, such as individuals or companies, and to different types of leasing, rental arrangements, and assets.

Forward Credit Scoring minimises operational risk by ensuring the structured and documented application of risk policies. It supports the process from the lease application through contract execution and disbursement, ensuring full compliance with corporate and Group credit policies and seamless integration with existing process components, including commercial front-office and PEF platforms.

• Rules independently configurable by the Risk Department
• Flexible algorithms based on locks, blocking factors, and calculation models
• Policies differentiated by applicant type
• Multiple scorecards for different production clusters