How PwC can help support your credit decision process

PwC CZ Data science & AI and Financial risk modelling teams provide full range of services to support the back-end of your credit decision process. This discussion material contains the following four different kind of products and services.


Scoring Model Development

We develop a scoring model, heart of your decision process, tailored to your needs.

Deliverable: custom scoring model tailored to your needs.


Innovative Data Sources

We enhance your scoring with innovative data sources, such as geographic features or Telco data.

Example deliverables:
Telco scoring pilot,
PwC GeoDataMart adaptation & scoring pilot.


Credit Decision Manager

Together with our partnered firm Taran we deliver end-to-end back-end implementation of your loan approval process.

Deliverable: deployed software application orchestrating the back-end of your credit underwriting and monitoring end-to-end.


Regulatory Support

We ensure your credit decision process is compliant with relevant regulation regarding credit underwriting and consumer protection.

Deliverable: regulatory advisory services supporting components 1 – 3.

Why TaranDM? (with PwC components)

Many of the benefits of our solution revolve around its modularity, flexibility and tooling enabling rapid redeployment and innovation without being too reliant on the IT department. This is especially beneficial in new segments such as online lending requiring frequent strategy updates.


Modular and flexible

Highly modular and flexible.

Set-up a custom strategy for your approval process from available modules.


Cost effective

Cost-effective – smart caching of external and costly data source in the data caller.

New data are only requested when needed.


Multiple strategies

Multiple scoring strategies for benchmarking and/or segmentation of the loan approval process.


Anti-fraud module

Anti fraud check based on info from antifraud DB such as device ID, IP address.


Auditable, transparent

Every input and output is saved and every historical decision is replicable and deterministic.

Interactive reporting module over SQL database for monitoring your online population and basis for upgrades.


Real-time and batch

Real-time and batch scoring in one unified engine – real time for BAU application process and batch for campaigns on existing population.


Smart pricing and x-sell

In-built cross-sell and up-sell capabilities based on defined strategies.

Supports risk based pricing and/or propensity based smart pricing.


Modern tech stack

Open source tech mitigating vendor lock-in. Easy deploys virtually independent on IT department.

A license type enabling you to modify the code and develop on top of it for your purposes.


Easy to maintain

Analytical utilities - suite of utilities for data scientist working with TaranDM.

Extract predictors for analytical work. Predictor form and binning embedded in strategy.

Demo Architecture

The architecture of the demo application is based on microservices deployed on Azure Kubernetes Service (AKS). Bellow you can see the diagram of how the individual components of this solution are connected.

Get in touch with us