QUALCO DATA-DRIVEN DECISIONS 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
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Μake sense of your data

QUALCO Data-Driven Decisions Engine (D3E) is your one-stop solution for portfolio analytics in credit management. It simplifies data analysis and compliance and is ideal for servicers, banks, utilities, and any organisation handling credit and debt portfolios.

Data Organisation

Keep track of your portfolio's changes easily

Data Processing

Transform and sequence data for analytical insights

Machine Learning

Use explainable algorithms to understand customer behaviours and segments

Tailored Treatments

Deliver customised actions for different customer groups to enhance performance

Strategic Insights

Shape treatment strategies and estimate their impact on your bottom line

Regulatory Compliance

Generate compliant reports based on analysis results

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USE CASES

5 Ways To Maximise Business
Value With D3E

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
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PROPENCITY-TO-PAY
  • Optimise resource management
  • Reduce communication costs
  • Increase contactability and positive reactions
  • Simplify communication strategies
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PORTFOLIO SEGMENTATION
  • Increased operational productivity 
  • Reduced time and improved collection results
  • Quick adaptation to customer behaviour 
  • Enhanced customer experience through personalised treatment 
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BUILDING A SELF-SECURE STRATEGY
  • Streamline collections operations
  • Reduced collection costs
  • Increase customer satisfaction and rehabilitation
  • Improve roll rates via insight-driven customer treatment
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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
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Key Capabilities

PRODUCT SHEET

01

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.

02

DESCRIPTIVE ANALYTICS

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

03

PREDICTIVE ANALYTICS

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

04

PRESCRIPTIVE ANALYTICS

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

05

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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Find out how D3E empowers you to:

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

QUBE

Struggling with tight collection margins?

QUBE is a powerful decision engine that integrates seamlessly with your collection platform, driving strategic activity at every stage. It turns historical data into targeted decisions, optimising the entire process with quick deployment and pre-built digital strategies for fast ROI.

  • 10% boost in operational efficiency
  • 10% improvement in collection outcomes
  • 15% increase in recovery rates
  • Up to 75% surge in digital engagement

WHY QUBE?

  • AI-driven insights tailored for unique customer needs
  • Quick deployment with pre-built digital strategies for fast ROI
  • Seamless integration for unified, end-to-end collection processes
  • Scalable and flexible to adapt to changing needs
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D3E Release Notes

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

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Frequently Asked Questions

  • What technology is QUALCO Data-Driven Decisions 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.

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  • 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.

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