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 * PRODUCTS
   * * * Voxco Research
         * * Survey Software
           * Online Survey Tools
         * * IVR Survey Software
         * * Survey Portal
           * Voxco Audience
     * * Voxco Intelligence
         * Adaptify
         * Predictive Analytics
         * Customer 360
         * Customer Loyalty
         * Fraud & Risk Management
         * Credit Underwriting
 * SOLUTIONS
   * INDUSTRIES
     * Banking
     * Government
     * HealthCare
     * Insurance
     * Retail
     * Telcom
     * Financial Services
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     * Academic Research
     * Customer Experience
     * Employee Experience
     * Product Experience
     * Market Research
     * Social Research
     * Data Analysis
 * RESOURCES
   * Learn
     * Calculators
       * NPS Calculator
     * Knowledge Hub
       * Blogs & White Papers
   * Explore
     * Try a sample survey
 * OUR CLIENTS
 * COMPANY
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AI-POWERED CREDIT UNDERWRITING SOLUTION

Put credit underwriting on automation with an end-to-end intelligent platform.
Improve customer experience – Boost approval rates – Make confident credit
decision 

Book a Demo



REIMAGINE CREDIT UNDERWRITING AT SCALE

Embrace AI, automation, and ML capabilities across credit management processes
to enhance business performance.

✅ Detect frauds: Leverage predictive analytics to trace risk in disbursing loans
to a client. Automatically alert employees whenever any discrepancy is
detected. 

✅Consistent underwriting: Stay compliant with the bank’s policies while
automating the entire credit underwriting process. 

✅Eliminate human error: With an automated credit underwriting solution never
miss out on details or risk personal bias.

 ✅Better CX: Automating the process also reduces the paperwork for customers.
The credit underwriting solution facilitates customers’ data to the lender’s
platform. The lender can approve the applications which are ready or ask for
required documentation without delay.

We help overcome your pain points: 


10%

increase in approval rate.


90%

automation in credit underwriting. 


15 - 20%

improvement in turn-around-time.


EXPEDITE CREDIT DECISION & STOP FRAUD

Unlock the true potential of an AI-driven credit underwriting solution & improve
your business performance with the lowest risk and highest return.




SMART AUTOMATION: 

With the AI and ML models, our platform delivers a robust and automated solution
for faster resolution of risks and credit decision processes.


ACQUISITION SCORE AND STRATEGY: 

Conduct a credit risk assessment of new customers and fraud assessment for
identity resolution and verification. Implement acquisition risk strategy and
develop scorecards.  


CREDIT SCORECARDS: 

The AI-driven underwriting model uses bureau data and historical data to develop
credit scorecards. 


BEHAVIOR SCORE: 

Conduct an ongoing risk assessment of existing customers for account monitoring,
credit line increase, top-up, cross-sell and upsell.


AI-DRIVEN UNDERWRITING: 

Develop AI-powered underwriting models to automate credit management- process,
evaluate, and approval – of the right application faster and smarter.


FRAUD DETECTION & PREVENTION: 

Detect fraud risk, prevent approval of fraudulent applications, and cut down the
cost of false positives. Leverage AI and ML capabilities to identify high-risk
cases that could be missed otherwise.


IDENTIFY NEW CUSTOMER SEGMENTS: 

Tap into newer customer segments like bureau no-hit, underbanked customers,
sub-prime customers.


COLLECTION MODELS: 

Build collection models to target customers who may go delinquent in the future
and develop strategies to reduce loss. 


EMPOWERING FINANCIAL FIRMS TO MAKE SMARTER CREDIT DECISIONS

Voxco Intelligence’s credit underwriting is an end-to-end data analytics
platform that meets the financing needs of all its clients and protects your
firm from high-risk fraud attempts.




FINANCIAL SERVICES: 

Empower your financial management team with an agile underwriting solution to
refine your underwriting models to effectively and efficiently address
applicants’ evaluation and approval.


BANKING: 

Arm your managers and frontline employees with an AI-driven underwriting
platform that you can modify to process borrowers faster and approve eligible
applicants.

HFFC automates credit underwriting while reducing early delinquency by 1%.

IndiaFirst Life Insurance saves up to US$1 million in legal and compliance
costs.

Toyota Finances reduces churn and achieves 70% automated underwriting.

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WHY VOXCO INTELLIGENCE?

Voxco Intelligence offers an AI-infused credit underwriting solution to
accelerate confident decision-making & empowers you to implement an efficient
underwriting operation




UNIFIED CUSTOMER DATA: 

Centralize raw data collected from various sources in a single repository.
Integrated view of the customer – internal and bureau


AI & ML CAPABILITIES: 

Use advanced analytics to analyze data faster with more accuracy. Identify
and prioritize high-risk issues. 


CUSTOMIZABLE DASHBOARD: 

Build a shared dashboard to boost collaboration among teams. 

Or, create a role-based dashboard and give access on a need-to-know basis.


50+ INTEGRATION: 

Streamline the operational process with frictionless integration with any data
source, CRM, or internal toolkit.


FLEXIBLE HOSTING: 

Improve business performance and save cost by deciding the best hosting option
for your firm – An on-premise or SaaS hosting solution.


SECURE DATA & COMPLIANCE: 

Ensure that your customer’s sensitive financial data remains protected and your
company stays compliant with government regulations.


BEST-IN-CLASS SUPPORT: 

Our trained team is available 24 X 7 to help you onboard and walk you through
the entire platform to enable you to use every functionality to its full
potential.




FAQS

What is a Credit Underwriting solution?

A credit underwriting solution is an end-to-end data analytics platform that
gauges a client’s risk profile. It automates the risk assessment process to
determine the borrower’s credibility.

What are the applications of a credit underwriting solution?

Credit underwriting solutions include using customer data points that go beyond
simple bank statements & spending behavior, to assess the quality of the loan
applicant. 

The credit underwriting solution automates the following process to create a
smarter, faster, and more efficient underwriting process. 

 * Loan application – AI-enabled pre-approval. 
 * Documentation – Unifying data. 
 * Credit scores – AI-driven credit assessment. 
 * Credit decisioning – Analyzing real-time data. 
 * Loan disbursal – paper-free loan disbursement.


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