Credit Risk Models

Credit Risk Models

Consumer income & purchasing habits can greatly improve credit risk modeling. Start lending smarter today.
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Analytics for Credit Risk Modeling

Make Better Lending Decisions

As consumer habits and practices continue to evolve, traditional credit score data is not enough when attempting to build more accurate credit risk models. Achieve far more successful lending decisions by incorporating de-identified data, outlining the income & spending behaviors of prospective borrowers throughout their everyday lives.

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Create More Powerful Credit Risk Models

Key Features

Understand how cash flow, ACH, direct deposits, NSFs and late fees can assist in building robust credit models and enable less risky lending decisions.

Save Time

Easily import a representative, normalized, de-identified alternative dataset on borrowers' spending behavior

Find Signals

Detect nonlinear relationships between spending and credit default

Manage Risk

Improve default and delinquency prediction

Lend Efficiently

Grow your lending base by lending smarter


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Tools for your success

Credit Scoring Models You Can Count On

Data Analytics for Credit

With near real-time data, Envestnet | Yodlee Data Analytics helps you to make better lending decisions by incorporating actual account information into your credit risk models.

Our de-identified user data gives you a representative view into how millions of consumers are managing and spending their money. Learn how Envestnet | Yodlee’s data can help you build better credit risk models. Contact us today.