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    Credit Risk Solutions

    Better credit decisions, faster and explainable

    We combine your own payment history with external company, property and market signals into scoring and decision models that lenders, insurers and B2B suppliers can defend to auditors and regulators.

    ScorecardsDecision engineEarly warningModel governanceReason codesBacktesting
    Credit Risk Solutions

    Why Liplyn Information Group for your sector

    Credit scoring

    Application and behavioural scorecards tuned to your portfolio.

    Automated decisioning

    Rules and models in one engine, with straight-through processing.

    Early warning

    Continuous monitoring that flags deterioration before default.

    Regulatory fit

    Documentation, bias testing and model governance built in.

    Explainability

    Reason codes for every decision, usable in customer communication.

    External signals

    Company, sector, property and payment data enrichment.

    From scorecard to production decisioning

    We work with your risk team, not around it: agreed definitions, validated models and a decision flow your operations can run.

    Portfolio and default definition analysis
    Data enrichment with external company and market signals
    Scorecard development, calibration and backtesting
    Decision rules, cut-offs and policy overlays
    Model documentation, bias and stability testing
    Integration into your origination or ERP workflow
    Ongoing monitoring, reporting and recalibration

    Talk to a credit risk specialist

    Describe your portfolio and current decision process. We'll come back with where the biggest gains sit.

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    Reduce losses without turning away good customers

    Start with a backtest on your historical portfolio — it shows the potential before you change a single process.

    Request a portfolio backtest