Consumer Solutions
Credit Information Report
CIBIL Consumer Credit Information Report (CIR) provides information on credit histories of borrowers to make objective lending decisions. With CIBIL Consumer CIRs credit grantors are equipped to gain insights into a consumer’s overall borrowings across lending institutions, identify risk areas, disburse credit faster and with greater efficiency and grow business profitability. The credit information is based on the millions of updates received by CIBIL from its strong member base comprising of Banks, Financial Institutions, State Financial Corporations, Non-Banking Financial Companies, Housing Finance Companies and Credit Card Companies.
Portfolio Review Reports
Portfolio reviews are a significant way for banks and financial institutions to monitor, manage, and act upon their portfolio credit risk and enhance overall portfolio returns. Beyond this, they can deepen account holder relationships and build the foundation for loyalty and continuing business growth.
Benefits:
Benefits:
- Account Management
- Better risk quantification
- Improved Trend Monitoring
CIBIL TransUnion Score
India’s first credit scoring model that helps effectively predict the likelihood of an applicant becoming more than 91 days delinquent on one or more tradelines over the subsequent 12 months. This considers all trades (secured & unsecured) of a borrower for scoring.
CIBIL TransUnion Personal Loan Score
India’s first and only offering to provide analytics on the likelihood of applicants or customers becoming 91 days delinquent on a personal or consumer loan over the next 12 months. Only Personal Loan (unsecured) trades are considered for scoring.
CIBIL TransUnion Bureau Credit Characteristics
Bureau Credit Characteristics is a list of predefined characteristics that summarize various aspects of a customer’s credit information. The set comprises multiple credit characteristics which can be used for model development, data analysis, customer profiling, migration analysis and a variety of other account management analyses.
CIBIL Detect
Reduce risk in your current portfolio and in assessing new applicants with CIBIL Detect—India’s first repository with information on High Risk Activities contributed by leading lenders. CIBIL Detect provides you with an easy and cost-effective way to access and share information on high-risk activity at account acquisition and in ongoing portfolio management to make more informed decisions and improve profitability.
CIBIL Mortgage Check
CIBIL Mortgage Check—the first centralized electronic database on mortgages in India is supported by the NHB. The repository uses a sophisticated match logic customized for Indian market to help you share and access mortgage information, exercise stronger due diligence, and reduce fraudulent transactions due to multiple financing. It helps you make more informed decisions in assessing new mortgage applications and managing your current portfolio—an easy, consistent and cost-effective way to access and share mortgage information.
Market Insights
These intelligence reports are designed to provide an overview of the credit market basis geographic, demographic and behavioral borrowing trends. By profiling customer base across various dimensions, benchmarking their performance with the market and identifying their strengths and weaknesses organizations can take proactive corrective decisions and enhance business growth.
CIBIL Bureau Analyzer
An innovative and effective way of delivering CIBIL reports and CIBIL TransUnion scores, CIBIL Bureau Analyzer is a smart analytical tool that enables you to access CIBIL reports in real time from multiple branch locations. Access bureau data with ease and seamlessly incorporate bureau information in your credit policy effectively. Bureau analyser is a convenient tool that helps you in
- Accessing the CIBIL Credit Information Report in both, a friendly easy to read format for manual underwriters and machine readable format for usage and integration in analytical scoring tools and models
- Saving the CIBIL information accessed and also customer applications for future usage and study like retrospective analysis and revisiting rejected applications to identify those that may qualify due to changes in credit policy.
- Managing access control of CIBIL consumer bureau information across users, branches and regions.
- Enables the use of a customer’s credit information, including credit characteristics and scores available in the credit report, for collections placement and optimization
CIBIL Locate Plus
CIBIL Locate Plus leverages CIBIL’s vast and comprehensive information repository to provide with comprehensive contact information on customers in a faster and more cost effective fashion. Highly effective for collections & contactability programs.
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