Background
- Pilot with a mid-size non-bank SME lender in India looking to further expand reach across many more states
- NBL’s growth was stymied due to limitations of their current underwriting practices, which leveraged TransUnion’s CIBIL score
Results
- Uplinq score demonstrated approval rate lift by over 120%
- Uplinq models reduced the current default losses by 50%
Conclusion
- Uplinq uncovered key features, positively and negatively correlated to risk, despite limited data provided by the lender
- Uplinq identified previously unreachable customers. This allows the lender to find unique opportunities for growth and market share increase, while developing more effective pricing, leading to significantly higher approval rates.
![Chart, line chartDescription automatically generated](https://cdn.prod.website-files.com/620d0b9159f00c2f46a56f8a/63b56eacdc987175d637ed5c_gCAq0Zdz9EY-OPTliMwE1cbv1QvTLq5wFxKjXNKX1rFdz7xpoZ5a1sBzLSKf6t4Y6bsin4kv14Phxu4YnXkaYDSNuujlBRTU1fOGxsh2gwnbHKSYmHoDkzXPThbIyMBvAv8Hwpg2iHgi5k3vIRntwV3pe-W_ZVtV2da0zfd9CRA0SFLCHaVHfLWOxV_egGZG-q-r023CPQ.png)