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    Equifax Products and Services

    Uploaded by

    Gajendra Audichya
    f adfluweluiwgfqef

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    © All Rights Reserved
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    Equifax Products and Services

    Uploaded by

    Gajendra Audichya
    98 views14 pages
    f adfluweluiwgfqef

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    © © All Rights Reserved

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    f adfluweluiwgfqef

    Copyright:

    © All Rights Reserved
    Download as PDF, TXT or read online from Scribd
    Download as pdf or txt
    98 views14 pages

    Equifax Products and Services

    Uploaded by

    Gajendra Audichya
    f adfluweluiwgfqef

    Copyright:

    © All Rights Reserved
    Download as PDF, TXT or read online from Scribd
    Download as pdf or txt
    of 14

    Equifax Products and Services

    Powered by bureau and analytics


    Equifax Introduction
    Overview

    PROPRIETARY | 2
    Equifax – Global
    VISION EQUIFAX DATA

    To be the global leader in information Equifax Maintains Data, Worldwide, on


    More Than:
    solutions that creates unparalleled
    insights to solve customer challenges 820M
    Consumers

    91M
    Businesses

    $3.4B 11,000+ 24
    Global Information Solutions
    Company
    Employees Countries 380M
    Employee files

    TOP AWARDS

    PROPRIETARY | 3
    Equifax- India
    Equifax Bureau EQUIFAX Capabilities
    Accessed by Top 10 lenders of the country
    Specialized BFSI focused
    No. 1 Preferred Bureau for Micro Lending analytics CoE

    Access to global
    technology expertise

    30M+ 1.5 Bn+ 500 M+ 5500+


    Credit enquiries a month Tradelines Customer Profiles Members -Banks / NBFCs Alternate Data
    capabilities

    TOP CLIENTS

    PROPRIETARY | 4
    Select Bureau & Analytics Clients
    Banks

    NBFCs

    MFI, Banks /
    SFB

    Fintechs

    PROPRIETARY | 5
    Products List

    PROPRIETARY | 6
    Products and Solutions – Enabling Digital Journey
    Prospecting Onboarding Origination Underwriting Disbursement Early Warning Signals / Line Management /
    System Delinquent Customers X-sell / Upsell

    Prospecting – Macro and Micro Customer Demographic - Prefill


    • Market Entry / Exit strategy - Opinion • Anonymized Application • Alerts – Collection • Portfolio Review
    Bureau details and Inquiry
    Reports Scorecards • Portfolio
    • ERS 3.1 • Bureau Fraud Model • Collection Score diagnostics
    • Credit Insights
    • Income Estimation on CIR • Line Assignment • Custom collection • Digital Cross-sell
    • Prospect Identification (Prospect PR)
    • EMI Estimation on CIR • Approve / Decline Strategy score and strategy campaigns
    • Bureau Based Hypothesis testing
    • Dimensions • Model Validation • Early Warning • Propensity score
    • Reject inferencing
    • Lifestyle Cohorts • Regulatory Modelling – IFRS9, • Skip Tracing • Propensity and
    • Lost Sales analysis
    • Combined Credit Report IndAS, Stress Testing cross-sell models
    Fraud Identification:
    • SMS2Loan • Score Simulator
    • Document Verification
    • Commercial CIR
    • Email Authentication
    New To Credit / Thin File:
    Verification
    • Payment Transaction Score Interconnect
    • Alternative Data
    • Custom NTC Score
    • Verify ID

    PROPRIETARY | 7
    Fraud

    PROPRIETARY | 8
    Equifax Approach to Fraud Detection
    Equifax approach to fraud detection would drive incremental fraud detection with reduced false positive rate. The approach
    uses business rules along with the machine learning based predictive model in the detection phase. The score ranges from 100
    to 500; 500 being highest probability of fraud

    Data Rules Predictive Modeling


    Ready to use set of highly Powerful fraud prediction at
    predictive rules application

    Velocity Rules: Analytical Modeling:


    Suspicious number of applications from
    Best in class model trained
    same applicant/ID/address
    on highly predictive rules
    Inconsistency Rules: with ML capability
    Conflicting information on
    application
    Gradient Boosting
    Data Sources from Equifax: Filtering Rules: technique applied
    Bureau data Pattern of changes in ID, address,
    contact information etc Model PD & KS analyzed
    Model finalized
    Industry accepted surrogate definition of fraud used for analysis

    PROPRIETARY | 9
    Document Verification
    Solution will help you protect your businesses against fraud by using machine learning technology to validate a users identity
    document and compare it with their facial biometrics

    PROPRIETARY | 10
    Fraud Check with Email
    How it works

    Predictive Risk Analytics


    Inputs used • Customized for your company
    • Patterns, behaviors and trends

    Use Cases
    • New Application & Account Opening for both Assets & Liabilities
    • Account Maintenance

    PROPRIETARY | 11
    Alternate Data

    PROPRIETARY | 12
    Verification Suite –360º view of the customer

    Fraud Check through


    ID Verification
    Email
    06 01

    Solution for SME 05 360º view of


    02 Address Verification

    the customer

    GST Authentication Income Verification

    04 03

    PROPRIETARY | 13
    Thank You

    PROPRIETARY | 14
    Copyright © 2019 Equifax Inc. All Rights Reserved. Equifax is a registered trademark of Equifax Inc.

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