Alior Bank S.A.

Business challenge:

The task was to implement a system which would automate the process of evaluating credit applications. The solution was to be characterized by highly efficient data processing and flexibility of configuration.

The system was expected to support the work of about 1000 employees at Alior Bank S.A. in Poland.

 

Solution:

The solution delivered by StatConsulting includes:

  •   Applicational StatC Engine System,
  •   analytical scoring models for the evaluation of credit applications.

The integration and communication with other IT systems of Alior Bank S.A. is based on the WebService platform.

 

Benefits:

StatConsulting's solution provides:

  • a wide range of parametrization,
  • high efficiency of data processing,
  • the possibility of managing various elements of a given credit strategy.

The user can, for instance, verify the scoring algorithms, cut-off points and their influence on the quality of the portfolio of granted credits.

With the Applicational StatC Engine it is also possible to define, for example:

  • sets and structures of processed credit applications,
  • data validation and data consistency verification mechanisms,
  • expert rules and scoring models assigned to a given credit application.

Thanks to the system's architecture it is possible to obtain data processing efficiency of ca. 100 credit applications per second. Furthermore, the number of applications being processed doesn't influence the system's performance.

The use of the WebService platform allows flexible integration of the Applicational StatC Engine with other IT systems in the Bank.

The scoring system may be also applied by Alior Bank in other areas, such us debt collection. 

„The administration panel of StatC Engine makes the task of system management  simple and transparent. Even novice users don't have any problems with understanding the system's logic. Our experience with the solution delivered by StatConsulting shows that it is possible to define and work with practically any data verification and data assessment processes”., states Mateusz Boguta, Business Administrator of the Applicational StatC Engine at Alior Bank S.A.