Our Mortgage Analytics Solutions are designed to help mortgage companies enhance their business capabilities and anticipate future risk. Mortgage companies are progressively finding it challenging to deal with increased market risk, low customer satisfaction, and a competitive market. Our offerings span the entire mortgage value chain, including customer acquisition, operations and portfolio management for optimizing decision rules. Our strengths in predictive modeling and credit scoring enable mortgage lenders achieve improved targeting of markets, effective channel utilization and optimize portfolio risk.

Key offerings of Mortgage Analytics Solutions:

• Customer segmentation : Segmentation of customers on the basis of their risk appetite
• Pricing analytics: Designing of optimum pricing for securities issued for various customer segments
• Channel optimization : Optimization of the use of wholesale or retail channels and brokers for mortgage loans
• Loan application modeling: Prediction of default risk for new applicants and optimizing credit lending offers to them
• Portfolio Stress Testing : Assessment of the loan portfolio and securities issued against the loans against changes in macro economic parameters
• Loss reserve adequacy testing: Minimization of overall default exposure
• Servicing score card: Measuring the impact of servicing standards on the portfolio

• Fraud Modeling: Predictive modeling for early detection of fraud perpetration

• Prepayment scoring: Predicting for early payment of mortgages and estimating exposures due to prepayment