Profitable Strategies Throughout the Credit Life Cycle

Angoss Credit Lifecycle solutions extend industry-standard credit evaluation tools with analytics scores resulting from a more strategic use of your own customer and transactional data. Through the mining of existing data and the creation of proprietary scores and scorecards to target new opportunities for growth, lending organizations and credit departments are able to improve their ability to proactively manage and optimize the risk/reward choices for individual lending decisions, and across their portfolios.

Angoss offers a range of software and solutions to provide financial institutions, lending organizations and credit with the analytics tools and results to ensure optimal engagement at each and every stage of the customer credit lifecycle.

Origination

Maximizing responsible business growth requires you to issue the right credit to the right credit profile for each and every origination request. Angoss' suite of analytics software lets you quickly and effectively design and deploy acquisition scorecards and approval strategies.

With the Angoss Credit Origination Solution credit managers can evaluate every credit applicant in real time against models that combine agency scores and your own client data. Using the solution you can visualize optimal credit extensions or declines for individuals and your entire portfolio.

Account Management

Maintaining a healthy credit portfolio requires insight into your borrowers' current and future financial condition and payment behavior. Using Angoss' suite of analytics software, you can develop and deploy behavioral scorecards and credit line strategies to evaluate and optimize the credit you extend.

Collections and Recovery

A sound recovery strategy is critical to maintain customer retention and profitability targets, particularly in challenging markets or economic periods. With Angoss' suite of analytics software, users can visualize portfolio analytics with collections scorecards and optimized strategies that include multiple KPIs.

For businesses that need actionable results in a highly business-friendly deployment, Angoss offers a Collections Analytics Solution that includes debtor segmentation, probability to pay models, recovery estimate models and best next activity models.