Empowering Your Lending Decisions with Data-Driven Credit Scorecards
Small business lending is complex, and making sound credit decisions is critical. For over 10 years, Syh Strategies has worked with lenders of all sizes to develop, fine-tune, and adjust their underwriting credit models and scorecards. Our expertise in identifying and quantifying important datasets allows underwriters to get a deep and textured view of their applicants. With our finger on the pulse of the industry as a whole, we help our clients adjust and evolve within our fast paced and ever changing environment. We understand what it takes to succeed.
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Our Process
Our process begins with a comprehensive review of your current credit policies and datasets. By identifying the key variables that influence creditworthiness, we work with you to craft a customized credit scorecard, including decision and pricing engines that integrate traditional metrics with second and third order data inputs. This ensures a comprehensive view of the borrowers’ profile.
We then focus on automation, enabling seamless integration of these scorecards into your existing systems. This automation allows you to scale operations efficiently, handling routine credit requests quickly and consistently, while reserving your team’s resources for more complex decision-making.
We then focus on automation, enabling seamless integration of these scorecards into your existing systems. This automation allows you to scale operations efficiently, handling routine credit requests quickly and consistently, while reserving your team’s resources for more complex decision-making.
The Right Solution
"Our goal entering 2024 was to double originations. Partnering with Syh Strategies allowed us to transform our operations and credit decisioning processes, get more competitive, and reduce our risk exposure. We’ve scaled our operations and have grown the book from 9 to 15 million per month, I’m confident we’ll achieve our goals.”
CEO
Emerging Working Capital Provider
- Data-Driven Credit Models: Utilize historical data, third-party reports, and firmographic information to develop comprehensive credit scorecards that predict risk with accuracy.
- Automated Decisioning: Implement automation with strategic waterfalls that streamline credit decisions, reduce costs, increases speed, and is scalable.
- Consistent and Objective Processes: Standardize credit decisioning to eliminate inconsistencies and biases, ensuring objective treatment across all applicants.
- Optimized Risk Management: Apply our multidimensional approach to refine credit policies and better manage risk while identifying valuable lending opportunities.
- Scalable Solutions: Develop scorecards and decisioning engines that grow with your business, that can adapt to evolving needs to enhance operational efficiency.
Why Shy Strategies?
At Syh Strategies, we understand that each lender's portfolio is unique. Our analysis delivers customized insights that reflect the specific dynamics of your business, helping you refine risk management, improve customer retention, and explore growth opportunities.
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