Case Study: How Data Enrichment Helps Lenders Make Faster, Safer Decisions for New-to-Credit Borrowers

Executive Summary

A digital loan provider in Asia faced challenges: many consumers had little or no credit history, and loan approvals were slow. Mobilewalla helped enrich their data with additional information and build predictive features. This allowed the lender to make faster and more accurate decisions for borrowers who were new to credit.

Client Profile

  • Industry: Digital Loan Provider
  • Region: Asia, with many unbanked or underbanked consumers
  • Challenge: Limited credit history; thin-file borrowers; and the need for faster loan approvals

Key Challenges

  • Not enough credit history data for new borrowers
  • Traditional scoring methods were too slow or not suitable
  • Risk of approving loans too quickly without enough information
  • Need to speed up loan origination without increasing defaults

Solution Overview

Mobilewalla delivered a solution that:

  • Enriched first-party data with alternative sources to create better borrower profiles
  • Built predictive features to identify risk and behavior patterns
  • Integrated these insights into the lender's decision process to allow faster and safer approvals

Implementation Details

  • Data Sources: First-party borrower information plus Mobilewalla’s alternative data
  • Feature Building: Creating features that show borrower behavior, risk signals, and segmentation
  • Modeling: Developing models to predict risk for borrowers without traditional credit histories
  • Integration: Adding model outputs into loan approval systems to enable faster, near real-time decisions

Results & Impact

  • 15% reduction in portfolio risk for new-to-credit borrowers
  • Faster approvals and disbursement for underserved borrowers
  • Improved accuracy in borrower profiles and more confident loan decisions

Key Learnings & Takeaway

  • Alternative data can greatly improve decisions when credit history is limited
  • Predictive features for thin-file borrowers help reduce risk and improve approvals
  • Digital lenders can speed up loan processing without sacrificing portfolio quality

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