TOP-NOTCH RISK ASSESSMENT FOR BUSINESS EXPANSION

Increase Loan Approval Rates with built-in AI-Powered Risk Assessment and Machine Learning for continuous improvement.
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Validate upfront each borrower’s identity and credit risk profile

Multi-layer approach

Increase scoring accuracy and mitigate risk with data from Open Banking, Credit Bureau, Digital Footprint Assessment, Proprietary Organizational Data and more.

Extensive expertise

Take advantage of our unique knowledge in risk modeling and generating segmented (In-community) credit scoring.

ML / AI driven decision making

Continuesly improve your Risk Model with top-notch technology tailored to your business environment.

See What’s Under the Hood

Proprietary Organizational Data

Power Risk assessment with your own insights into customer payment history, activities and other behavior data.

Tarya Profiler

Analyze customer behavior online using Digital Fiitprint Assessment, Fraud Detection, and Online Polygraph.

Open Finance

Access external data from Credit Bureaus, and Online Financial Data

Open Banking

Get instant smooth access to borrower’s bank account information and payment history.

Proprietary Organizational Data

Power Risk assessment with your own insights into customer payment history, activities and other behavior data.

Open Finance

Access external data from Credit Bureaus, and Online Financial Data

Tarya Profiler

Analyze customer behavior online using Digital Fiitprint Assessment, Fraud Detection, and Online Polygraph.

Open Banking

Get instant access to borrowers’ bank account information and payment history.

Proprietary Organizational Data

Power Risk assessment with your own insights into customer payment history, activities and other behavior data.

Open Finance

Access external data from Credit Bureaus, and Online Financial Data

Tarya Profiler

Analyze customer behavior online using Digital Footprint Assessment, Fraud Detection, and Online Polygraph.

Open Banking

Get instant access to borrowers’ bank account information and payment history.

Increase loan approval rates without compromising on risk

Book a Demo

FAQ

Risk assessment is essential to support businesses in providing financing and expanding their services. Risk assessment tools help analyze a borrower’s creditworthiness based on income, debt, employment, and more. The good news is that Tarya provides both non-financial and financial institutions with the necessary tools and data to mitigate risks and increase profitability.
A credit bureau is defined as a credit reporting agency that collects information about a borrower’s financial situation in order to determine their credit score. Tarya partners with numerous credit bureaus to extract online financial data and assess future repayment capabilities.
A risk score is a score used to predict a borrower’s creditworthiness and their ability to repay a loan. Based on different layers of complex data, Tarya assigns a score between 1 and 1,000 to help you mitigate risk and optimize your offerings.

Risk Assessment — Tarya Fintech services for you

Credit can be likened to the two sides of a coin, as it possesses both advantages and disadvantages. On the one hand, credit offers the potential for profit through interest and dividends. On the other hand, each credit always carries a risk. This is where underwriting comes in to avoid this risk. 

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Сredit risk underwriting is the process of assessing the creditworthiness of a potential borrower and determining the risk of potential losses for the creditor. This evaluation allows financial institutions to determine the suitability of applicants for loans, insurance policies, or investments. The underwriting process is vital for the stability and growth of the financial sector, as it facilitates prudent lending and risk management, ensuring that financial institutions can maintain profitability and solvency. Okay, underwriting is important, but what exactly does it involve?

Credit risk underwriting — What’s inside?

To determine potential losses, experts must:

  1. Analyze potential bad ways that can increase risks and decrease potential profits for the borrower and the company.
  2. Perform various analyses.
  3. Analyze how to decrease potential risks by changing terms.
  4. Engage in risk management.
  5. Administer all your decisions.

That’s just the tip of the iceberg, as this process involves numerous formulas, years of education, and months of analysis. This is only about loans. Commercial credit underwriting can also be used to analyze securities and other valuable assets. Don’t endure and lose money on long-risk analysis and poor administration. Tarya Fintech offers you a solution that can collect and analyze most information fast.

Сredit decision engine software — one click to solve all problems

Tarya Fintech creates credit decision engine software that combines AI learning with ML to maximize risk reduction. The platform is valuable not only for its functions but also for cutting down on the time it takes to make the right choices. With credit decision software, you can make a decision in a few clicks. You have all the stats, all the risks, and all the potential profits at your fingertips.

Credit decision software — what’s under the hood?

We’re committed to maximizing transparency in our engine. Our loan risk management solution is based on:

  1. Scoring by analyzing different sources, such as credit bureaus, digital footprint assessments, and others.
  2. Modeling risks and creating systems and models of potential scenarios based on real experience.
  3. Big data analysis by ML/AI.
  4. All current secured protocols to protect your data and your results from rivals.

Tarya Fintech offers you perfect AI analysis for transparent credit origination, which will be fully secure. If you’re unsure about how the system works, you can book the demo version of the service and compare your own experience and underwriter work with an AI engine. First, you compare results, and then you make the right decision about a loan, about your business, and about using software with an underwriter. This service is as good for analyzing mortgage risks as it is for servicing your bank in semi-automated mode. You can read thousands of articles about the advantages or disadvantages of AI underwriters. But why not just check it once?