Consórcio, a kind of business where NLP is a long tail problem. SmartLYTICS starting its NLP prediction with accuracy of 88%. The NPL model’s test results include 88.15% precision, 89.9% recall, 89.02% F1 score, 88.36% accuracy, 15.2% FPR, and 7.1% FNR.
Customer Convenience
Sales Data
Forecasting Models
Stock Operations
This case explores how AI and ML models were implemented to improve credit analysis and bad debt prediction for a Brazilian consortium, achieving significant accuracy in forecasting and enhancing customer selection and debt management processes.
In Brazil, the consortium financial model allows customers to be both investors and borrowers, often resulting in long-term non-performing loans (NPL) that can impact them for life. One major consortium struggles with credit selection and managing bad debt due to many defaulters.
This case provided a specific opportunity to learn more about how aspects of data culture and readiness impact digital transformation. To get the data readiness, we took almost 7 months working. The onboarding was not enough to align the time and clarify the solution. It took several meetings to clarify the need for data and to teach how to extract and structure data so that they were reinforced for modeling and training. Doubts about how the intelligent system, using AI and ML, concludes and arrives at the results, continued to exist even when the AI modeling was validated, as well as how to monitor the AI responsibly. We are currently finalizing the data modeling and training phase. We are starting the user onboarding and training process with a focus on cx.
We are finalizing the modeling and training phase of the Smart Credit (CWP) and Bad Debt (NPL) AI. With AI modeling and training for a month, The AI/CI discovery showed a Credit Analysis Assertiveness (CWP) of 76.11% and a Delinquency Assertiveness (NPL) of 88.32%.
Mulytic Labs proudly and consistently offers its own platform for Data Science, Databases, and Application Frameworks Delivery, running from cloud, serving as a service to clients to deliver the required needs of the clients.
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