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Enterprise Layer Intelligence
Categories/Workflow Automation/Modelshop
Modelshop

Modelshop

Founded 2015

Automate and personalize real-time credit offers for borrowers using custom risk models

You can use Modelshop to design, automate, and deliver personalized credit offers to borrowers in real time. The software connects directly to credit bureaus, open banking APIs, and identity providers to analyze applicant financial data. You can evaluate default probabilities, cash flows, and collateral values without writing code. Financial institutions use it to build custom credit decision strategies, test risk-weighted segments, and instantly roll out tailored loan terms across their origination channels to increase borrower acceptance rates and reduce loan default losses.

What Modelshop does

Import and analyze credit bureau reportsCalculate applicant cash flows from open banking feedsConfigure credit box segmentation rulesSimulate loan portfolio default probabilitiesGenerate personalized interest rate offersDeploy underwriting rules to origination APIsMonitor loan acceptance and default ratesConnect to credit bureaus and open banking data via pre-built connectorsBuild risk-weighted cash flow and default prediction models without codingAutomate multi-dimensional credit box segmentation and scoringDeploy real-time credit decisioning rules into origination channelsEvaluate economic indicators and collateral risk projectionsTest and update credit offer strategies within a single day

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Modelshop, credit decisioning, loan origination, credit offer automation, risk modeling, fintech, banking, credit score segmentation, open banking data, default prediction, SMB lending, loan underwriting, credit union tech, real-time credit offers, cash flow underwriting