SME Credit Engine
Credit & Valuation
A machine learning rating model for SMEs, calibrated for the region and externally validated.
The model
- Five layers blending financial and behavioural data
- Calibrated against regional SME performance
- Externally validated
Explainability
- Every score attributable to its drivers
- Output expressed in the bank's own rating scale
- Documented for credit committee and model validation review
Inputs
- Statements, with direct integration to accounting systems and banking plugins
- Macroeconomic indicators and industry trends
- Estimates update as new information arrives