MCS Micra Credit Suite | Micra Software & Services Srl

The MCS solution automates and simplifies loan origination, monitoring and credit recovery processes.

The goal of MCS is to enhance the professional skills of the bank, in the most sensitive and profitable activities. Thanks to our products, internal professionals can spend more time on risk analysis and customer relationship management, reducing data entry tasks and bureaucratic or ordinary administration tasks to a minimum.

MCS supports bank operators and risk management in the daily workflow and in the most important moments of decision making. Advanced classification and regression algorithms, both supervised and unsupervised, allow you to obtain new insights into the customer's risk and business from the data. The alchemy of these models allows us to develop an Early Warning and Anomaly Detection logic. This data processing leads to the identification of possible operational or behavioral anomalies, as well as the forecast of the credit history of the subjects under analysis, contributing to the resolution of problematic situations before they arise.

Micra Credit Suite is fed by numerous levels of detail, the feed flows do not have to be generated to measure but the same generated by the Institute can be used for its own DWH or reports to central systems such as the Bank of Italy, the ECB, data sources certified (Istat, Cerved, CRID, ect) rather than news usable on the net.

MCS approaches data analysis based on the development of "Supervised" models by looking for the target variables that represent the probability of slipping into default. 

Credit Recovery: Over time there has been an expansion in the volumes of impaired credit practices and a decrease in success in the recovery phases. This has increased the competitive pressure between the different actors involved. The MCS product is a web-based solution designed and created to manage credit recovery procedures in a single application, in compliance with current operating rules and regulations.