{"id":9149,"date":"2022-03-31T04:44:41","date_gmt":"2022-03-31T04:44:41","guid":{"rendered":"http:\/\/3.111.132.52\/?page_id=9149"},"modified":"2022-11-15T10:39:02","modified_gmt":"2022-11-15T10:39:02","slug":"socio-economic-profiler","status":"publish","type":"page","link":"http:\/\/3.111.132.52\/index.php\/socio-economic-profiler\/","title":{"rendered":"Socio Economic Profiler"},"content":{"rendered":"

[vc_row full_height=”yes” css=”.vc_custom_1667025020830{margin-top: 0px !important;margin-bottom: 0px !important;padding-top: 0px !important;padding-bottom: 0px !important;}”][vc_column][\/vc_column][\/vc_row][vc_row tlg_parallax=”not-parallax” css=”.vc_custom_1668083857191{background-image: url(http:\/\/3.111.132.52\/wp-content\/uploads\/2022\/11\/Loan-Origination-bg.png?id=11246) !important;background-position: center !important;background-repeat: no-repeat !important;background-size: cover !important;}”][vc_column][vc_row_inner][vc_column_inner]

Socio-Economic Profile credit score<\/h2><\/div><\/div>[\/vc_column_inner][\/vc_row_inner][vc_row_inner css=”.vc_custom_1667039863839{margin-bottom: 100px !important;}”][vc_column_inner width=”1\/2″][vc_single_image image=”11282″ img_size=”full” alignment=”center” el_class=”img-box-shadow” css=”.vc_custom_1668086670906{padding-right: 10px !important;}”][\/vc_column_inner][vc_column_inner el_class=”small-fonts” width=”1\/2″][vc_column_text]New-to-credit (NTC) borrowers are increasingly becoming a large target market for both, the organized (retail) and the unorganized sector (msme). Hence, there is an ever-increasing need for leveraging alternate data for credit evaluation especially for products which have a large first-time borrower composition (viz. CD, 2W, CV Loans, Affordable Housing, PayDay Loans, Merchant Loans, Micro Business Loans, MFI Loans etc.) where conventional data is relatively weak.<\/p>\n

SEP<\/b>\u00a0is a macro-economic variables-based credit score, that uses relevant variables from a wide array of public data sources, to help provide a socio-economic context based on a borrower\u2019s residential location.[\/vc_column_text][\/vc_column_inner][\/vc_row_inner][vc_row_inner][vc_column_inner width=”1\/6″][\/vc_column_inner][vc_column_inner width=”2\/3″]

Features & Benefits<\/h2>
SEP enables lenders to look at India as ~13 million micro-markets, as opposed to the traditional Tier 1\/2\/3\/4 lens. It can also help make more informed and calibrated market expansion decisions using their portfolio behaviour as the anchor. It can highlight progression \/ regression trends which, in turn, could even serve as early warning signals for Collections.<\/div><\/div><\/div>[\/vc_column_inner][vc_column_inner width=”1\/6″][\/vc_column_inner][\/vc_row_inner][vc_row_inner equal_height=”yes” gap=”35″ el_class=”col-spacing” el_id=”topgap-100″][vc_column_inner el_class=”inner-white-box inner-hover-border box-para” width=”1\/4″ css=”.vc_custom_1668084714053{padding-top: 100px !important;padding-bottom: 100px !important;}”]

Real-time dpd predictability<\/h3>
Get real-time dpd predictability score at an individual application level<\/div><\/div><\/div>[\/vc_column_inner][vc_column_inner el_class=”inner-white-box inner-hover-border box-para” width=”1\/4″]

Reduce portfolio delinquency<\/h3>
sweep-out risky approvals<\/div><\/div><\/div>[\/vc_column_inner][vc_column_inner el_class=”inner-white-box inner-hover-border box-para” width=”1\/4″]

Book more business<\/h3>
sweep-in less risky rejects<\/div><\/div><\/div>[\/vc_column_inner][vc_column_inner el_class=”inner-white-box inner-hover-border box-para” width=”1\/4″]

Sustainable market expansion<\/h3>
through geographic micro-segmentation<\/div><\/div><\/div>[\/vc_column_inner][\/vc_row_inner][vc_row_inner equal_height=”yes” gap=”35″ el_class=”col-spacing min-feature-height” el_id=”topgap-101″][vc_column_inner el_class=”inner-white-box inner-hover-border box-para” width=”1\/4″]

No PII required<\/h3>
No Personal Identifiable Information (PII) required<\/div><\/div><\/div>[\/vc_column_inner][vc_column_inner el_class=”inner-white-box inner-hover-border box-para” width=”1\/4″]

Large coverage<\/h3>
Pan-India coverage<\/div><\/div><\/div>[\/vc_column_inner][vc_column_inner el_class=”inner-white-box inner-hover-border box-para” width=”1\/4″]

Unfettered access<\/h3>
macro-economic, public data<\/div><\/div><\/div>[\/vc_column_inner][vc_column_inner el_class=”inner-white-box inner-hover-border box-para” width=”1\/4″]

API based<\/h3>
Available as an API-based service akin to a credit bureau score<\/div><\/div><\/div>[\/vc_column_inner][\/vc_row_inner][\/vc_column][\/vc_row][vc_row el_class=”inner-btn force-center”][vc_column width=”1\/4″ css=”.vc_custom_1667021642652{padding-top: 40px !important;}”]

Product Partners:<\/h4><\/div><\/div>[\/vc_column][vc_column width=”1\/4″][vc_single_image image=”9152″ alignment=”center” onclick=”custom_link” img_link_target=”_blank” link=”https:\/\/howindialives.com\/”][\/vc_column][vc_column width=”1\/4″][vc_single_image image=”9153″ alignment=”center” onclick=”custom_link” img_link_target=”_blank” link=”http:\/\/www.121mapping.com\/”][\/vc_column][vc_column width=”1\/4″ el_class=”text-center” css=”.vc_custom_1667021665243{padding-top: 30px !important;}”]
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Download Brochure<\/a><\/div>\n\t\t\t\t<\/div>[\/vc_column][\/vc_row]<\/p>\n","protected":false},"excerpt":{"rendered":"

[vc_row full_height=”yes” css=”.vc_custom_1667025020830{margin-top: 0px !important;margin-bottom: 0px !important;padding-top: 0px !important;padding-bottom: 0px !important;}”][vc_column][\/vc_column][\/vc_row][vc_row tlg_parallax=”not-parallax” css=”.vc_custom_1668083857191{background-image: url(http:\/\/3.111.132.52\/wp-content\/uploads\/2022\/11\/Loan-Origination-bg.png?id=11246) !important;background-position: center !important;background-repeat: no-repeat !important;background-size: cover !important;}”][vc_column][vc_row_inner][vc_column_inner][\/vc_column_inner][\/vc_row_inner][vc_row_inner css=”.vc_custom_1667039863839{margin-bottom: 100px !important;}”][vc_column_inner width=”1\/2″][vc_single_image image=”11282″ img_size=”full” alignment=”center” el_class=”img-box-shadow” css=”.vc_custom_1668086670906{padding-right: 10px !important;}”][\/vc_column_inner][vc_column_inner el_class=”small-fonts” width=”1\/2″][vc_column_text]New-to-credit (NTC) borrowers are increasingly becoming a large target market for both, the organized (retail) and the unorganized sector (msme). Hence, there…<\/p>\n","protected":false},"author":1,"featured_media":10956,"parent":0,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":{"inline_featured_image":false,"footnotes":""},"class_list":["post-9149","page","type-page","status-publish","has-post-thumbnail","hentry"],"_links":{"self":[{"href":"http:\/\/3.111.132.52\/index.php\/wp-json\/wp\/v2\/pages\/9149","targetHints":{"allow":["GET"]}}],"collection":[{"href":"http:\/\/3.111.132.52\/index.php\/wp-json\/wp\/v2\/pages"}],"about":[{"href":"http:\/\/3.111.132.52\/index.php\/wp-json\/wp\/v2\/types\/page"}],"author":[{"embeddable":true,"href":"http:\/\/3.111.132.52\/index.php\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"http:\/\/3.111.132.52\/index.php\/wp-json\/wp\/v2\/comments?post=9149"}],"version-history":[{"count":62,"href":"http:\/\/3.111.132.52\/index.php\/wp-json\/wp\/v2\/pages\/9149\/revisions"}],"predecessor-version":[{"id":11297,"href":"http:\/\/3.111.132.52\/index.php\/wp-json\/wp\/v2\/pages\/9149\/revisions\/11297"}],"wp:featuredmedia":[{"embeddable":true,"href":"http:\/\/3.111.132.52\/index.php\/wp-json\/wp\/v2\/media\/10956"}],"wp:attachment":[{"href":"http:\/\/3.111.132.52\/index.php\/wp-json\/wp\/v2\/media?parent=9149"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}