Case Study: Harmoney achieves faster, more accurate credit risk modeling and deployment with DataRobot

Harmoney and DataRobot Drive Innovation in Australasia’s Personal Loan Market

Harmoney, Australasia’s leading marketplace lender, needed to cut borrower drop‑out and move faster than big banks with a small analytics team. To identify only the questions truly predictive of default risk and to eliminate slow, error‑prone model handoffs, Harmoney adopted DataRobot’s platform (AI Foundation / Predictive AI) to automate model development and deployment.

Using DataRobot, Harmoney’s data science and engineering teams built a new Credit Risk Scorecard and highly accurate predictive models that let the company ask fewer questions, reach decisions faster, and lower default rates. DataRobot reduced model deployment time from three–four months in the legacy environment to just a few mouse clicks and improved credit‑risk accuracy—correlating with increased lender profitability and a more efficient borrower experience.

Harmoney

Andrew Cathie

Chief Data Scientist