Case Study: Canada's largest consumer finance retailer grows loan book 47% with BizAcuity's ML-driven customer risk profiling

a major consumer finance retailer grows loan book 47% with BizAcuity

The client, Canada's largest consumer finance retailer, faced the challenge of launching a new installment loan product. Their existing methods lacked the analytical depth to accurately predict defaulters, identify insolvency risk early, and reduce non-performing assets. To support this expansion, they engaged BizAcuity for an advanced analytics solution tailored for lending.

BizAcuity implemented a machine learning framework for customer risk profiling, consolidating data from multiple sources and building predictive models to forecast delinquency and insolvency. This solution enabled the client to segment customers using ML-based risk scores and improve approval rates. As a result, the client achieved a 47% increase in their loan book within a single quarter and significantly reduced their non-performing assets.