Case Study: a South Asian auto lender achieves 2x higher predictive accuracy with HES FinTech's GiniMachine

a South Asian auto lender boosts predictive accuracy 2x with HES FinTech

An emerging auto lender in South Asia was being held back by an underperforming legacy credit scoring model, which had a low Gini index of 0.4 and was undermined by data inconsistencies. Seeking a competitive edge, the company partnered with HES FinTech, utilizing their GiniMachine product to rebuild its credit decisioning process.

HES FinTech implemented a solution that began with rigorous data preparation to resolve these issues. They then built a custom AI-driven credit scoring model, which was validated and back-tested for reliability. The new model delivered by HES FinTech nearly doubled the predictive power, raising the Gini index to 0.75 and achieving an ROC-AUC score of 0.88, providing the lender with a high-performing tool to grow its loan portfolio with confidence.