QUALCO DATA-DRIVEN DECISIONS ENGINE (D3E)

The central hub where your credit portfolio analytics and accounts receivable analytics come together.

D3E

POWERFUL DATA INTELLIGENCE

QUALCO Data-Driven Decisions Engine (D3E) is an integrated credit portfolio Analytics software aiming to automate and streamline every stage of the Analytics workflow, from data ingestion to predictive modelling, decision making and action optimisation.

D3E takes a maximalist view of Analytics, encompassing:

Data provisioning, consolidation and data transformation for Descriptive Analytics and reporting
Fully automated data preparation and model generation for Predictive Analytics
Configurable decision-making logic and optimisation mechanisms for Prescriptive Analytics
Adaptable integration and orchestration mechanisms for operationalising every aspect of Analytics

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

D3E use cases

5 ways to maximise business value with D3E

DCA ALLOCATION OPTIMISATION
PROPENCITY-TO-PAY MODELS
ANALYTICS ENABLED COLLECTION MODELS
BUILDING A SELF-CURE STRATEGY
EARLY WARNING INDICATORS FOR CREDIT RISK

DEPT COLLECTION AGENCY (DCA) ALLOCATION OPTIMISATION

Accomplish double-digit uplift in cash collections
Benefit from minimal setup cost through model building automation
Eliminate time consuming manual processes
Minimise operations costs

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

Increase operational productivity
Improve collection results
Adapt quickly to customer behaviour
Enhance customer experience

Enjoy operational efficiency & reduced cost of collection
Increase customer rehabilitation
Improve customer satisfaction and loyalty
Benefit from better roll rates powered by insight-driven customer treatment

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

CONSOLIDATED DATA VIEW

Organise massive data and maintain a bird’s eye view of your portfolio’s evolution. Ingest, transform and time sequence data to enable analytical assessment easily and compliantly.

MINIMISE HUMAN EFFORT THROUGH AUTOMATION

Build and maintain automated predictive models easily, using Machine Learning technology. Reduce the need for analysts to spend time on data wrangling and other non-value-adding tasks.

BUILD MULTIPLE MODELS WITH MINIMUM COST

D3E allows you to develop your analytics capabilities by building on earlier results and making experimentation easy, low-priced and risk-free.

DEPLOYMENT OPTIONS MATCHING YOUR NEEDS

In-house, cloud-based and hybrid options ensure your D3E deployment integrates seamlessly with your existing IT architecture.

EMPOWER BUSINESS USERS AND ANALYSTS

Support business users and analysts in strategic and operational decisioning and simultaneously address multiple optimisation areas by using a single platform.

IDENTIFY CUSTOMER BEHAVIOUR

Apply explainable machine learning algorithms to identify behaviours and drive customer segmentation. Match tailored operational treatments to customers to maximise performance.

INCREASED PROFITABILITY

Drive tailored customer treatment, gain clarity into your operations, optimise day-to-day treatment decisions and ultimately collect more with less.

OPTIMISATION AT SCALE

Optimise multiple costly processes based on the desired outcome and dynamically prioritise approaches that are successful in your operations. Shape your portfolio workout options and translate strategic initiatives into estimates of bottom-line impact.

ADVANCED REPORTING CAPABILITIES

Monitor and improve productivity and financial performance through automated reporting built on top of the same data warehousing facilities driving all your analytics, ensuring reports and analyses agree on a single version of the truth.

SPEEDY DEPLOYMENT

D3E has powerful and flexible data modelling and ingestion capabilities that allow deployment in 1-4 weeks. Typical optimisation initiatives can be completed within 2-5 weeks given suitable data.

#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

LEADING TECHNOLOGY, ENTERPRISE-GRADE SCALABILITY

D3E uses a combination of traditional Microsoft (SQL Server, .NET) and Big Data (Hadoop, Spark) technologies to provide support for portfolios holding millions of accounts under active management. Updates are processed on a daily basis and historical data maintained for years.

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