Credit risk flags
From the borrower’s obligations, the platform raises risk flags with a severity level. Technical delinquency of a few days is separated from real delinquency using configurable thresholds, so minor issues do not overshadow real risk.
Plan All plans.
What’s inside
- 16 risk flags with a level: low, medium, high, critical
- Delinquency ranges: none, from 1 to 29, from 30 to 59, from 60 to 89, 90 days or more
- High debt burden and multiple active loans
- Restructuring and write-offs
- Thin file and no credit history
- Technical and real delinquency separated by organization thresholds
- Totals for each currency separately
Limitations
Flags describe facts from the report, not a scoring point. The platform does not calculate the probability of default and does not replace your scoring model: flags and totals feed into it as input data.
FAQ
Can delinquency thresholds be changed?
Yes, thresholds for technical and real delinquency are configured per organization.
Is there a credit score?
No, and that is deliberate. The platform delivers verified facts and flags, and your model calculates the score with your risk policy.
Use cases with this feature
Other features
Shall we run a check on your report?
Send an anonymized sample report from the country you need: we will break it down in a demo and show the flags, the summary and the connection to your system.