Information
Credit Bureau Information
Business Information
Identification and Anti-Fraud services
Analytics
Expert and Statistical Approaches to support needs in risk management, marketing and decisioning - Behavioral Scorecards, Predictive Analytics, Advanced Analytics and Risk Consulting
Solutions
Software platforms to support Business Rules and Decision Management, Loan Origination, Collections Management, Deduplication and External Data Connections
Information
Credit Bureau Information
As India's leading credit information solutions provider, we provide comprehensive information solutions to banks, lenders, insurance companies and telecom operators across Retail, Agri, MSME, Commercial and Microfinance lending. Credit Information Report and Scores provide users with precise, easy-to-read, and extensive information in assessing a loan application of individuals as well as non-individuals. Our Monitoring tools allow keeping a watch on the portfolio performance and identify pools of customers for specific actions such as cross-selling, recovery etc. Market Insight Reports are effective in identifying trends and industry insights in lending and across geographies.
Discover moreIdentification and Anti-Fraud services
Ensuring the right identity of the customer is the first step in risk assessment. Know Your Customer is also a need because of regulatory compliance. CRIF's IDenCheck solution supports with a real-time KYC and identity verification to ensure proper identification of the customer. IDenCheck can be used while on-boarding a customer through any channel for any product. SHERLOCK brings around powerful anti-fraud solution to help detect and investigate application and identity frauds like never before. Sherlock combines the power of intelligent search algorithms and multiple data sources for a significantly better fraud-detection experience.
Discover moreBusiness Information
In order to compete successfully and achieve profitability targets in increasingly complex markets, it is vital to count on complete, up-to-date business information and assessment tools, whether it is for customer/supplier risk evaluation, compliance or for business development. CRIF's Business Information Reports provides an in-depth profile of a company, including financial information, legal cases, history, shareholding, directors and other details for Supplier Risk Assessment, Buyer Risk Assessment and any other kind of due diligence. Our Business Information Reports are available for over 200 million companies from over 230 countries (including India) across the globe.
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Analytics
Credit Risk Management-Predictive Analytics & Scorecards
CRIF has developed numerous scorecards, including Bureau scoring models, in over 40 countries which are used to make over half a billion of score calculations and decisions every year around the world. CRIF leverages data, proven methodologies, and expertise to offer a complete range of powerful predictive analytics models that balance and unify decisions within and across each stage of the customer relationship in consumer and business segments. Whether you are new to analytics and scoring models or you want to enhance your existing decision-making tools CRIF can help.
[Credit Risk Management-Predictive Analytics & Scorecards services are provided by CRIF Solutions Pvt Ltd]Know moreCOSMO - Psychometric Analytics
A credit risk assessment model that evaluates personality using its multi-layered decision framework, called COSMO, that utilizes Metadata Score, Application Score, Psychometric Score to assist the Loan Origination Decision System. The tool, in the form of a Quiz and gamified with images and animations, gives the individual an instant personality assessment and the institution the decision for approval or decline. Inadvertently, the assessment can be also be used for further customer management purposes and engagements.
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Deduplication Platform
If you are struggling to merge different relationships of one customer under one unique customer ID, OneIdentii is the solution for you. The solution offers a unified, powerful and scalable platform for all your deduplication needs. It is built using fuzzy but robust deduplication algorithms which can work on millions of customer data points to match and merge records with a very high degree of accuracy. The capability has been over years put to test by leading commercial banks, NBFCs, Insurance companies, telecommunications companies, and micro-finance institutions across the country.
External Data Connector
In today's world, the challenge is no longer data unavailability, but rather accessing the multiple data sources that are out there, in a logical sequence, and being able to compile the result. BureauLink offers a customizable and scalable connectivity tool that allows institutions to access multiple data sources including all credit bureaus, external KYC databases based on logical flows. It is an off-the-shelf solution which can seamlessly integrate with your LOS or LMS. A pioneer in this space, BureauLink is perhaps the most installed platform of this kind in India.
Sicurnet
Internet provides endless opportunities to connect with the world. However, there are chances of your data being compromised and misused. Hence, it is important to take measures to be safe online. Sicurnet helps reduce these risks and have a complete peace of mind. Sicurnet constantly monitors your personal and financial data online and sends an alert in case your data is exposed to high risk environment along with an advice on how to protect yourself from possible fraud.
[Sicurnet services are provided by CRIF Solutions Pvt Ltd] Know moreBusiness Rules and Decision Management
StrategyOne puts the business team in the driver's seat to quickly and easily implement, test, monitor and change business rules, policies, credit scores, calculations, and entire decision processes without coding. It is a complete business rules management platform and decision scoring engine that enables you to identify the right targets, increase customer loyalty, boost sales and margins, manage risk, and implement policies.
Loan Origination
CreditFlow is a flexible and innovative business process management (BPM) suite built specifically for credit processes like customer onboarding and loan origination. CreditFlow automates the end-to-end process, from data capture to approval and booking, orchestrating manual activities with workflow and document management, connecting participants and integrating all systems involved to meet your credit process needs.
Collections Management
CRIF's Collections solution allows lenders and other players to collect more with less in a smarter, easier way. This is done through a more effective management of accounts in arrears, using a structured definition of tasks, assignments & policies, and constant enforcement and monitoring which is automated and efficient. It helps in reducing time-to-action and thus time-to-recovery, optimizing resources, and better control over the entire process.
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