Skip to content

Credit Assessment and Scoring Engine (ScoreCore)

Credit

A customer's credit limit is calculated from the behavior of the daily account balance, rather than from a manual estimate. The input is a daily snapshot of deposit or card balances, and the output is a score and a limit for the credit line.

Book a demoAll modules
Domain
Credit risk and scoring
Target customers
Credit risk unit, credit product management
Main capabilities
Multiple balance-based scoring methods, score-to-credit-limit conversion policy, batch runs and policy simulation

ScoreCore is the platform's credit scoring engine. It calculates each customer's credit limit from the behavior of the customer's account balance rather than from a manual estimate. Its input is the daily snapshot of deposit or card account balances received from other services (Deposit, LendTech); its output is each customer's score and credit limit, which services such as Financing use to determine the limit of a credit line.

The users of this service are the credit risk and product management units, who define the scoring policy and the policy that converts a score into a limit, and review them over time.

Key capabilities

  • Multiple balance-based scoring methods

    Daily average, daily minimum, end-of-day minimum, monthly minimum, time-weighted average, day-count score, tiered score and several other calculation styles, selectable and combinable for each policy

  • Configurable time window

    A fixed interval with specified dates, a sliding window based on the last N days, or a calendar interval (the current month or year)

  • Policies for converting a score to a credit limit

    A fixed multiplier, tiers based on score range, a bonus based on account age, or a weighted combination of several methods

  • Policy assignment per company and subject

    Each company or customer group can have its own scoring policy and its own policy for conversion to a limit

  • Batch runs with full history

    Every calculation run is recorded and can be traced

  • Score and credit limit inquiry

    The result is available to other services (such as Financing) through service-to-service calls

  • Policy simulation

    Testing the effect of a policy change on real data before it is finally applied

  • Result caching for fast response

  • Service health monitoring dashboard

Business value

Setting credit limits manually is inconsistent and slow, and it is hard to explain to a regulator or a customer. ScoreCore turns this decision into a transparent, auditable formula: balance behavior becomes a score, and the score becomes a limit under the declared policy. The risk team can adjust the policy without changing code, after testing it in advance on real data.

Use cases

  • Automatic setting of a credit line limit based on the average balance of a customer's Qard al-Hasan account
  • Setting a credit card limit or a purchase credit (BNPL) limit based on spending pattern and balance
  • Periodic review of credit limits across the whole portfolio with a nightly batch run
  • Testing a new scoring policy on real data before replacing the current policy

What sets it apart

  • Several alternative scoring methods, instead of one fixed formula for all products
  • A clear separation of “how good the customer's behavior has been” (the score) from “how much credit that behavior is worth” (the limit policy)
  • Policy simulation before real execution, enabling low-risk decisions by the credit risk team
  • A multi-tenant design with an independent policy for each company or customer group

Solutions that use this module

01

Deposit Management

Each deposit category is defined by about thirty policy switches, from withdrawal permission and partial holds to daily limits. The balance lives in the Financial Core, and the account simply points to it.

  • About thirty policy switches for each deposit category
  • Account numbers generated from a pattern and a check digit
  • Joint ownership with ownership percentages, withdrawal rules and signatory groups
Solution details
02

Scoring & Eligibility Models

Daily deposit balances are converted into scores every night, and an eligibility policy turns each score into a financing limit. Eleven scoring methods and four eligibility models are available.

  • Eleven scoring methods, from average daily balance to progressive tiers
  • Four eligibility models with rounding rules and minimum and maximum amounts
  • Each method's parameters held in a versioned policy, outside the code
Solution details
03

Loan & Credit Product Builder

Define financing products through configuration: profit and penalty rates, installment start policy and eligible collateral, attached to one of fifteen Islamic contracts. Installment schedules are built on the Solar Hijri calendar.

  • Fifteen Islamic contracts, each with a dedicated calculator
  • Solar Hijri installment schedules with a fixed day of the month and three profit distribution methods
  • Repayments allocated to penalty, then profit, then principal, following the Central Bank of Iran's priority order
Solution details
Get in Touch

See this module on demo data

In a demo session we walk through your organization's scenarios on Dara's demo environment and answer your technical and finance teams' questions.

Book a demoContact us