QUALCO DATA-DRIVEN DECISIONS ENGINE (D³E)

Designed to cover the needs of any organisation that manages substantial portfolios of receivables, loans, or other types of debt, D³E is an all-in-one decision-making hub where all your analytics come together.

D³E

POWERFUL DATA INTELLIGENCE

D3E's fresh, holistic approach to analytics provides the data, tools, and techniques, which promote a common language for Αnalytics throughout your organisation, and helps to identify, monitor and verify your performance optimisation initiatives.

EVOLVE EASILY YOUR ANALYTICS CAPABILITIES
D³E helps you to:
- Organise your data and maintain a bird’s eye view of your portfolio’s evolution
- Apply explainable Machine Learning algorithms to identify behaviors and categorise customers into unique sub-populations
- Drive tailored operational treatments to unique customer segments
- Gain clarity into your operations and optimise day-to-day treatment decisions
AN OPEN DATA ENVIRONMENT
D³E offers:
- Data description, onboarding and quality control with minimal configuration
- Incremental setup of multiple data transformations, subsets and data feeds, with automated dependency resolution and data consistency guarantees
- Automated predictive model generation, using Machine Learning technology to minimise human effort
MAKE EXPERIMENTATION EASY AND RISK-FREE
D³E emphasises on:
- Automation, either through orchestration of day-to-day tasks or through sophisticated machine learning solutions for predictive modelling
- Eliminating black-box processes, dataflows, and models; ensuring the results of all analyses can be traced back to the source
- Maintaining and refreshing reports, incrementally extending your analytics capabilities by reusing past work as part of new analysis

EXPLAINABLE AI

DATA WAREHOUSING

D³E offers incremental, on-the-fly configuration of the data model feeds into automatically maintained end-to-end meta data, ensuring that data provenance is evident at every stage of every analysis.

DESCRIPTIVE ANALYTICS

D³E transformations are fully
user-configurable. Any data subset can be configured as a relational, multidimensional, plain text file or big data feed, and accessed by online and offline querying capabilities.

PREDICTIVE ANALYTICS

D³E provides configurable general patterns to automatically engineer predictors from every customer’s accounts. A commitment to “white box” models ensures the results are comprehensible and easy to trace back to the original data.

PRESCRIPTIVE ANALYTICS

D³E maintains an open data model and multiple data feed options for providing analytics outcomes to human or machine consumers. Its predictive models come with built-in model deployment capabilities to ensure decisions are actionable and can be automated.

#DEMO VIDEO

LEARN IN 5' HOW TO BRING PREDICTIVE INSIGHTS TO YOUR OPERATIONS

With QUALCO Data-Driven Decisions Engine (D³E) you can:

Ingest data, rebuild models and reproduce analyses as often as necessary, with minimal human effort.
Improve segmentation and treatment to better inform loss forecasting and provisioning.
Apply explainable machine learning algorithms to identify behaviors and categorise customers into unique sub-populations.
Drive tailored operational treatments to the unique segments of customers to maximise performance.
Complete implementation in ONE WEEK and derive and apply the first model outputs in FIVE WEEKS.

deployment

COMPREHENSIVE DATA SCIENCE

QUALCO Data-Driven Decisions Engine is built on top of the industry-standard technology whilst offers several different deployment options, depending on your specific needs.

DEPLOYMENT OPTIONS

Effectively integrate QUALCO Data-Driven Decisions Engine by choosing among different deployment options.

GDPR & COMPLIANCE

Use data wisely, ethically and in the best interests of your customer.

use cases

START WITH THE DESIRED OUTCOMES, NOT TECHNOLOGY

PORTFOLIO UNDERWRITING

Automate data ingestion and due diligence

With QUALCO Data-Driven Decisions Engine’s you can eliminate the time and effort spent just getting access to the data, by using configurable schema to adapt to any portfolio’s data model as delivered. You can also build and reuse collections of data quality and business logic checks, at both granular and aggregate levels. Optionally build and reuse a library of transformations to convert any portfolio’s data into your preferred data model, to maximise the reuse of all the analytics assets you build within or outside the software

Segment, stratify and aggregate data

Use QUALCO Data-Driven Decisions Engine’s configurable multidimensional data repositories to produce standard reports or aggregate data sets that feed directly into your existing per-segment valuation models and business plans. Easily monitor the performance of your models versus actual outcomes, and extract data to update your models’ assumptions and parameters

Produce data-driven valuation models

With QUALCO Data-Driven Decisions Engine’s documented best-practice approach you can build granular, machine learning-based valuation models that predict a portfolio’s recoveries without making assumptions about the behaviour of specific segments. Build a library of such models on top of your preferred data models and reuse them on new portfolios
INFORMATION MANAGEMENT, RISK MONITORING & REPORTING

Enrich the portfolio data model

Use QUALCO Data-Driven Decisions Engine’s configurable transformations engine to build, verify, sequence, maintain and reuse calculations, eliminating “data silos” and extensive data model impact analysis

Ensure consistency

Make sure reports agree with each other; keep track of the provenance, definition, and evolution of any data item throughout your data processing chain

Maintain an open data ecosystem

Provide self-service capabilities as well as predefined reporting deliverables through any data feed technology or reporting front- end of your choice. Deal easily with ad hoc requests through reuse of any existing analyses and automate periodic data exchanges with regulators, credit bureaus, and other data consumers
RECOVERIES STRATEGY AND PROCESS OPTIMISATION

Establish ground truth

Exploit QUALCO Data-Driven Decisions Engine’s data repositories and access to reliable portfolio data, updated daily and reflecting actual operations. Use the full, granular history of the portfolio’s evolution, to identify what works and what doesn’t. Reach a wide consensus on the above so that the entire organisation remains focused on its goals and on the best ways to reach them

Identify innovative strategies

Leverage the predictive modelling capabilities offered by QUALCO Data-Driven Decisions Engine’s to sort through the endless array of choices involved in developing your portfolio treatment strategy. From segmentation, to choose of Collection Agencies and communication channels, to repayment plan options, it will identify key drivers of customer behaviour, highlighting problems and opportunities that can inform your strategy, as well as delivering actionable predictions to help with its implementation

Produce data-driven valuation models

With QUALCO Data-Driven Decisions Engine’s documented best-practice approach you can build granular, machine learning-based valuation models that predict a portfolio’s recoveries without making assumptions about the behaviour of specific segments. Build a library of such models on top of your preferred data models and reuse them on new portfolios
PORTFOLIO OPERATIONS
Provide clarity and transparency
- Build any number of predictive models – from the essentials, like probability of default or expected recoveries, to more specialised ones, like the best time to call, the probability to accept a payment plan, most suitable solution and more
- Use the models to identify key characteristics, as well as extract granular predictions, that foresee a portfolio’s recoveries without making assumptions about the behaviour of specific segments. Build a library of such models on top of your preferred data models and apply them to new portfolios
- Feed the predictions automatically to your operations systems to automate the corresponding actions within your workflows and monitor the effectiveness of such workflow changes at every stage – from A/B tests to full rollout – and establish an ongoing optimisation loop under your full control
Share information while maintaining control

Make use of the metadata and access control configuration to share reports or results of analyses securely across the organisation or even outside it – with investors, Collection Agencies and other business partners. Establish a common language with all stakeholders and achieve consensus on treatment effectiveness