QUALCO Group

QUALCO DATA-DRIVEN DECISION ENGINE

The central hub for credit portfolio analytics

Automate every stage of your analytics workflow with our integrated credit portfolio analytics software. Get ready to:

Get a consolidated data view
Build models with minimum cost
Predict customer behaviour
Minimise analyst effort

USE CASES

5 WAYS TO MAXIMISE BUSINESS
VALUE WITH D3E

COLLECTION AGENCY ALLOCATION OPTIMISATION
PROPENCITY-TO-
PAY
PORTFOLIO SEGMENTATION
BUILDING A SELF-SECURE STRATEGY
EARLY WARNING INDICATORS

COLLECTION AGENCY ALLOCATION OPTIMISATION

Obtain significant uplift in cash collections
Minimise setup costs through model-building automation
Eliminate time-consuming manual processes
Reduce operations costs

PROPENCITY-TO-PAY

Optimise resource management
Reduce communication costs
Increase contactability and positive reactions
Simplify communication strategies

PORTFOLIO SEGMENTATION

Increased operational productivity
Reduced time and improved collection results
Quick adaptation to customer behaviour
Enhanced customer experience through personalised treatment

BUILDING A SELF-SECURE STRATEGY

Streamline collections operations
Reduced collection costs
Increase customer satisfaction and rehabilitation
Improve roll rates via insight-driven customer treatment

EARLY WARNING INDICATORS FOR CREDIT RISK

Achieve double-digit uplift in cash collections
Increase self-cure rate in early buckets
Realise significant cost savings
Optimise resource allocation

Key Capabilities

DATA
WAREHOUSING

A centralised repository that stores large volumes of structured and unstructured data from various sources. It provides a single source of truth for decision-making.

DESCRIPTIVE ANALYTICS

Get comprehensive insights into past and current financial data that help you gain smart insights to optimise strategies, improve decision-making, and enhance operational efficiency.

PREDICTIVE ANALYTICS

Produce explainable, white-box, predictive models to empower your decision-making process. Create scorecards, predict future outcomes, and gain actionable insights.

PRESCRIPTIVE ANALYTICS

Deploy models in production and utilise process modelling for smarter decisions. Combine predictive and descriptive analytics to evaluate performance and adjust.

REPORTING

Access self-service reporting and predefined reports via any data feed or preferred interface. Easily manage ad hoc requests by reusing existing analyses and automate data exchanges with regulators and credit agencies.

D3E in action

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Simplify data handling, model updates, and analysis
Enhance segmentation and forecasting
Identify customer behaviour and tailor treatments

ANALYTICS AS A SERVICE

Swift RΟΙ, Proven Tech, Industry Expertise

Do you want to enjoy the benefits of D3E without upfront investments in software and infrastructure? Tailored exclusively for the credit and collections industry, our Analytics as a Service offering delivers unparalleled value on:

Debt Reduction
Collections Uplift
Cost Savings
Customer Satisfaction

BENEFITS

25+ years of industry expertise
Customised models deployed within weeks
Various use cases with proven business results
Built on a robust analytics platform

D3E Release Notes

Are you interested in learning about the latest developments in D3E? Explore new product features, enhancements, and much more.

Frequently Asked Questions

What technology is QUALCO Data-Driven Decision Engine (D3E) built on?

D3E uses a combination of traditional Microsoft (SQL Server, .NET) and Big Data (Hadoop, Spark) technologies to support portfolios holding millions of accounts under active management. Updates are processed daily, and historical data is maintained for years.
What are the system's deployment options?

We offer various deployment options tailored to meet your unique data needs. The fully hosted option, deployed on a virtual private cloud, provides a comprehensive, holistic solution. With the in-house option, you can choose from dedicated or shared physical or virtual infrastructure for deployment within your premises. Lastly, the hybrid option, a variant of the in-house option, uses computational cluster facilities, as provided by QUALCO's virtual private cloud.
Does D3E ensure the privacy and security of my data?

D3E prioritises data privacy and security, fully complying with regulations like GDPR. The system uses anonymised data for reporting and modelling, safeguarding sensitive information. It accommodates requests for data erasure or processing restrictions, ensures non-discriminatory decision-making and suggests actions, leaving final decisions to operations systems to comply with GDPR.