Products and Services

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Solutions you can count on

The expanse of our products is as varied as your needs. Right from information based products like credit bureau information, business information market insights, direct to consumer reports to Analytics services such as bespoke score cards, behavioral scorecards, risk consulting; or be solutions for end-to-end credit management, data connector, deduping, business rules management, our product offerings have it all.

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Information

Credit Bureau Information
Business Information
Identification and Anti-Fraud services

Analytics

Analytics

Expert and Statistical Approaches to support needs in risk management, marketing and decisioning - Behavioral Scorecards, Predictive Analytics, Advanced Analytics and Risk Consulting

Solutions

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 Reports 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 highly effective in identifying trends in lending and across geographies.

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Business Information

In order to compete successfully and achieve profitability targets in increasingly complex markets, it is vital to be able to count on complete, up-to-date business information and assessment tools, whether it is for customer or supplier risk evaluation or for compliance or for business development. CRIF's mission is to supply complete, updated and meaningful information solutions to help you make decisions quickly and efficiently.

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Identification and Anti-Fraud services

Ensuring right identity of customer is 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 verification to ensure proper identity of the customer. SHERLOCK brings around powerful solution to help detect and investigate application and identity frauds like never before. Sherlock combines power of intelligent search algorithms and multiple data sources for significantly better fraud-detection experience.

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Analytics

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.

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Solutions

Business Rules and Decision Management

StrategyOne puts 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. This works for entire customer life-cycle - acquisition, management and collections. This solution is available as on-site installation as well as software-as-a-service.

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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 and 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.

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 either with a pre-defined or custom-tailored solution.

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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. It is built using fuzzy but robust deduplication algorithms which can work on millions of customer data points to match and merge records with 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.