Use transaction-level data to get a complete picture of any borrower’s debt obligations, including credit card, mortgage, and other loans.
Ocrolus performs deep transaction enrichment based on a combination of industry knowledge and continuously evolving machine learning. Our ability to identify liabilities and calculate debt ratios gives lenders an in-depth understanding of their customers’ capacity to service new debt.
Determine ability to service credit
Understand funding disbursements and loan repayments to other lenders to inform debt capacity and exposure calculations.
Identify questionable liabilities
Misclassification of liabilities can lead to disappointing lending results. Use Ocrolus-enabled balance sheet metrics to spot instances of irregular behavior or potential fraud.
By automatically flagging aberrant data and questionable activity, lenders can reduce fraud losses while also managing the risk of losing business due to excess false positives.
Manage credit risk
It’s crucial for lenders to make decisions with a complete and nuanced understanding of borrower financial dynamics. Detailed transaction data yields a much deeper picture of businesses and consumers than credit bureau data alone.
Lenders can understand the seasonality of cash flow, measure non-traditional income, assess debt capacity, and identify recurring transactions. Cash-flow-based risk models help lenders precisely predict the risk of default, increasing yields while expanding access to credit.
Ocrolus has been so easy to work with; we’ve been able to scale Operations by implementing Ocrolus.”