Transitioning to an AI-centric model in loan portfolio analysis can be challenging for financial institutions. Our AI-focused solution timveroOS helps to overcome challenges.
Its Analytics XAI Engine leverages data from various sources to generate valuable insights that improve underwriting, service, and product enhancement.
Lenders can benefit from AI-powered revisions of their risk models, personalized loan products, and existing loan term alterations provided by the Financial Engineering/Cashflow Engine.
TIMVERO’s innovative approach allows banks to expedite their decision-making by 12x and improve per-loan profit by an average of 20%. Ultimately, in a digital economy, we enhance human interactions through our design.
Transitioning to an AI-centric model in loan portfolio analysis can be challenging for financial institutions. Our AI-focused solution timveroOS helps to overcome challenges.
Its Analytics XAI Engine leverages data from various sources to generate valuable insights that improve underwriting, service, and product enhancement.
Lenders can benefit from AI-powered revisions of their risk models, personalized loan products, and existing loan term alterations provided by the Financial Engineering/Cashflow Engine.
TIMVERO’s innovative approach allows banks to expedite their decision-making by 12x and improve per-loan profit by an average of 20%. Ultimately, in a digital economy, we enhance human interactions through our design.
6 reasons to choose TIMVERO Loan Portfolio Analytics
Integration of multiple data sources
The seamless connection of an extensive data warehouse that gathers internal and external data sources to the powerful ML-based analytics module (SageMaker) provides a limitless area for experiments, A/B tests, and data-first decisioning in a user-friendly neat interface.
In-built team collaboration tools
timveroOS grants space for risk, marketing, and product teams to test new ideas, fortify each other’s performance, and gain new insights for loan portfolio analysis up to 10 times faster. The ML tool used helps to store results at the analytics DWH for future references and statistics comparison.
ML for reliable risk prediction
The platform enables executives and product stakeholders to project new ideas or future macro-/microeconomical events on the current loan portfolio to estimate risks and make decisions based on the company’s financial health and risk appetite.
Real-time event simulator
Financial company executives and stakeholders get an opportunity to realistically simulate the implementation of various strategies, such as new loan products, adjusted lending terms, customizable offers for various customer segments, risk modeling, or collection strategies. The simulator is created for loan portfolio analysis of each scenario.
12x faster decisions
Make ML-powered strategical executive decisions up to twelve times faster due to obtaining qualitative and quantitative data at your fingertips due to frictionless automation in several steps: XAI engine collects data, while the Financial Engineering/Cashflow engine turns it into insights and doable recommendations.
Value loop covering LOS and LMS in full
The interconnected operating system encompasses the entire workflow covering loan origination, loan management, and debt collection in full. Due to the SDK, any innovations can be implemented faster in the two layers of analytics: ML for model building and Financial Engineering tools for projecting the business impact of innovations.
Integration of multiple data sources
The seamless connection of an extensive data warehouse that gathers internal and external data sources to the powerful ML-based analytics module (SageMaker) provides a limitless area for experiments, A/B tests, and data-first decisioning in a user-friendly neat interface.
In-built team collaboration tools
timveroOS grants space for risk, marketing, and product teams to test new ideas, fortify each other’s performance, and gain new insights for loan portfolio analysis up to 10 times faster. The ML tool used helps to store results at the analytics DWH for future references and statistics comparison.
ML for reliable risk prediction
The platform enables executives and product stakeholders to project new ideas or future macro-/microeconomical events on the current loan portfolio to estimate risks and make decisions based on the company’s financial health and risk appetite.
Real-time event simulator
Financial company executives and stakeholders get an opportunity to realistically simulate the implementation of various strategies, such as new loan products, adjusted lending terms, customizable offers for various customer segments, risk modeling, or collection strategies. The simulator is created for loan portfolio analysis of each scenario.
12x faster decisions
Make ML-powered strategical executive decisions up to twelve times faster due to obtaining qualitative and quantitative data at your fingertips due to frictionless automation in several steps: XAI engine collects data, while the Financial Engineering/Cashflow engine turns it into insights and doable recommendations.
Value loop covering LOS and LMS in full
The interconnected operating system encompasses the entire workflow covering loan origination, loan management, and debt collection in full. Due to the SDK, any innovations can be implemented faster in the two layers of analytics: ML for model building and Financial Engineering tools for projecting the business impact of innovations.
Why do you need AI
Loan Portfolio Analytics?
Loan Portfolio Analytics in timveroOS is a great comprehensive solution for the digital transformation of financial institutions. With its SDK and Feature Store, it enables fast implementation of additional functions and coherent data analysis. Integration of multiple data sources and ML-based analytics provide limitless experimentation and data-first effective decision-making based on projections and experiments.
The platform also includes collaboration tools, reliable risk prediction capabilities, and real-time event simulation to enable 12x faster executive decisions.
It covers loan origination, management, and debt collection, making it a valuable tool for financial institutions seeking innovation and efficiency.
DWH
timveroOS has 90+ completely ready-to-use integrations for banks and financial institutions, including credit bureaus, accounting systems, external collection agencies, communication and notification tools, and tools for loan portfolio monitoring. All the data is systematically preserved in the Data Warehouse in a tabular and consistent format, significantly enhancing the efficiency of analytics.
We collaborate with Experian, Equifax, Transunion, Schufa, Tink, Plaid, Bud, Yapily, LexisNexis, QuickBooks, and Zoho — to name a few.
Haven’t found the necessary one?
Integrate with your chosen provider via our SDK-based components. Use the Feature Store for quick creation and implementation of new transformations in policies, underwriting, decision trees, and more.
DWH
timveroOS has 90+ completely ready-to-use integrations for banks and financial institutions, including credit bureaus, accounting systems, external collection agencies, communication and notification tools, and tools for loan portfolio monitoring. All the data is systematically preserved in the Data Warehouse in a tabular and consistent format, significantly enhancing the efficiency of analytics.
We collaborate with Experian, Equifax, Transunion, Schufa, Tink, Plaid, Bud, Yapily, LexisNexis, QuickBooks, and Zoho — to name a few.
Haven’t found the necessary one?
Integrate with your chosen provider via our SDK-based components. Use the Feature Store for quick creation and implementation of new transformations in policies, underwriting, decision trees, and more.
Our customers
A European Digital bank
“Having recently integrated the new timveroOS into our bank, we can now say it has revolutionized our approach to bank loan portfolio analysis. This software not only unifies our processes but also provides a powerful framework for generating insightful analytics across diverse data types.”
An alternative lending company from the Netherlands
“The impact of this OS on our financials is tangible. We've experienced a massive 75% decrease in our budget for onboarding new data vendors, due to the system's efficiency and comprehensiveness. The cost savings alone have significantly improved our operational expenses, setting the stage for a more profitable future.”
US Credit Union
“Our goal was to manage risk models more effectively, and timveroOS managed to speed up our product creation and risk model development by a factor of ten. This unprecedented acceleration has given us the capability to turn around financial projections quickly, optimizing our executive decision-making process and leaving the credit union members satisfied with the investment in technology.”
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