Credit is the highest margin product in your business, and today it is capped by a score that fails exactly where the growth is. GUARD profitably underwrites the 90 million Brazilian adults that traditional bureaus and lenders have left behind, leveraging data that the bureaus don't to underwrite restricted CPFs, subprime and “thin files”.
- Every credit engine in Brazil is trained on somebody else's data. Ours is trained on our own book.
- A complete credit policy with personalized recommendations — far more than just a score
- Far more accurate than bureaus — especially with restricted CPFs, subprime, and “thin files”
- AI systems that utilize many sources of data — traditional and non-traditional
- Continuously trained on several live books, not a purchased sample
- Measurable in A/B against your current engine
Proven to reduce delinquency by 34%.
0.79Area Under the Curve
(versus mid .60s for bureau scores)
(versus mid .60s for bureau scores)
34%lower delinquency vs. bureau
2M+credit decisions validated with real customers