Case Study: Auto Finance Company achieves real-time risk-based loan origination and enhanced portfolio management with Blueocean Market Intelligence

Helped an auto finance company to improve their loan origination process and manage their portfolio using risk analytics

Auto Finance Company, a US-based auto finance firm, faced a challenge: they approved all loan applications at origination and needed a risk-based loan application analytics solution to better understand existing customers, manage risk, and improve profitability and growth. Blueocean Market Intelligence was engaged to provide risk analytics, data integration and a real-time lending portal to support these objectives.

Blueocean Market Intelligence profiled, modeled and consolidated data into a single repository, built APIs to connect multiple sources, and implemented risk scoring, risk-based pricing, an acquisition scorecard and a real-time decisioning lending portal with KPI-driven performance management. The solution enabled automated scoring and real-time decisions, dynamic reporting for monitoring performance, data-driven discounting of loans, and a single view of origination and performance data—resulting in improved efficiency, compliance and customer service.