Micro crediting
The BI implementation expertise offered by Scandic Fusion has been used by leading microcrediting companies in the Baltics.
Solutions
The core BI foundation usually offers a deeper understanding of overall performance, profitability and lifecycle of small credits, leasing and asset backed loans. Typically a well-designed BI solution includes performance indicators on such business areas as:
- Loan application handling
- Loan issuing
- Loan repayment rates
- Loan surplus
- Debt recovery amounts
- Customer attraction and support analysis
Cross-company solutions
In addition, there are several cross company solutions that are typically chosen by our customers as a bundle that supplements the core operational data. The most commonly picked components are:
- Management accounting analytics
- Customer and product portfolio lifecycle analysis
- Call center analysis
- Marketing and sales performance analysis (incl. analysis on performance of web-services from data that is accumulated e.g. via Google analytics).
DASHBOARDS
Interactive dashboards, as our proposed way of representing the business insights, are intuitive, easy to understand and can be utilized by a wide range of employees, starting from business analysts up to the board members of the company. The dashboards serve client managers reviewing the performance/surplus of their client accounts on a daily basis as well as senior management monitoring overall profitability and sustainability of the credit portfolio on a periodic basis.
Relevant areas of analysis
Application analysis
- Conversion ratio
- Rejection analysis
- Sales channels
- Customer portfolio analysis
Loan analysis
- Surplus analysis
- Customer segmentation
- Payment discipline
Collection process
- Collection workflow analysis
- Collection effectiveness
Relevant cross-company solutions
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