Credit Risk Management


Credit Risk Management
Credit Lifecycle - Customer Acquisition, Customer Management , Collections
  • Customer Acquisition

    Customer acquisition is to help clients make accept or reject decisions and decide the appropriate credit limit or interest rate in loan or card by evaluating a consumer’s risk level and the ability to pay.

  • Customer Management

    Customer management is to assist clients to decide whether an existing customer’s maturity should be extended or not, and recalculate a credit limit or interest rate through risk assessment.

  • Collections

    Collections are for supporting clients in managing delinquent customers through debt (customer) evaluation.


“New credit score focusing on interaction with consumers”
k-score is a new credit scoring system to better understand and evaluate
creditworthiness through interaction with consumers.
  • Data in Daily Lives
    New data which is present in
    consumers’ daily lives accommodated to
    better understand consumers
  • New Evaluation
    Improve scoring system and take social
    responsibility through consumer
    protection by introducing new standards
    in evaluation from the perspective of
  • Active Credit Management
    Credit enhancement through self data
    reporting by consumers
Self data reporting, a good start in active credit management
k-score enables consumer self-enroll and report their own data in the scoring system,
and this can have a positive impact on the resulting credit score.
Financial transaction data
Non-financial data
Credit behavior (re-interpretation)
Credit affordability
Credit propensity

Income, tax payment, exemplary taxpayer, health insurance, national pension, telecom payment & utility payment

Financial tr3ansaction data
Credit behavior (re-interpretation)

New types of data used in credit scoring through self-reporting

AllCredit, your trusted partner in the financial life with reliable credit data and systematic credit management
AllCredit, equipped with the largest positive credit data as the first one in collecting such as data, helps you manage your credit, identity, and finance, daily necessities in your life.
  • Free credit check (three times a year)
    A consumer can check his or her credit status such as credit grade, and use of cards or loans for free three times a year.
  • Free application for notification of credit score change(twice a month)
    A consumer can be notified of whether there is a change to his or her credit score or grade by email or SMS twice a month.
  • Comprehensive Credit Management Plus
    With this, a consumer can manage credit in many aspects from checking credit score and grade, seeing analysis report on current credit andunderstanding how to increase the score.
  • Financial Identity Protection
    A consumer can prevent identity theft which may occur in financial transactions by blocking illegal credit inquiry made with stolen identity and get compensation for damages if it happens.
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Service Map

Credit Report

Credit data collected, processed and provided in the form of a report

  • Information on transaction in loans or credit cards with financial companies
  • Credit-related data at public organizations (such as bankruptcy, rehabilitation, business suspension or closure, etc.)
Credit Report
Personal Credit Report A comprehensive credit report which includes information on loans, credit cards, and delinquency to understand a consumer’s creditworthiness
SOHO Credit Report A comprehensive credit report which includes information on loans and delinquency to understand a micro-business owner’s creditworthiness
Transaction Alarm Changes which impact a consumer’s credit status are notified daily
Credit Score

Creditworthiness rank-ordered using consumer credit data

Credit Score
k-score A consumer’s possibility of having default in the next one year is rank-ordered in the form of credit scores and grades
Subprime Score The default possibility of a consumer using unsecured loans at higher interest rates in the subprime market is rank-ordered in the form of credit scores and grades
SOHO Score A micro-business owner’s possibility of having delinquency of more than 90 days in the next one year is rank-ordered in the form of credit scores and grades
Bankruptcy Score A consumer’s possibility of going through bankruptcy, rehabilitation, or credit recovery in the next 18 months is rank-ordered in the form of credit scores and grades
R-Score A consumer’s possibility of filing for credit rehabilitation (including confirmed ones) in the next 12 months is rank-ordered in the form of credit scores and grades
Self Cure Score A delinquent consumer’s possibility of repaying debt (within 30 days after the first date of delinquency) is predicted and rank-ordered in the form of credit scores and grades
SAFE-A Fraud possibility of an applicant is categorized into three different levels based on application data submitted
Value Added Services
Value Added Services
KPL A consumer’s projected income is provided along with the income reported by member companies
DTI Estimation The ratio of a consumer’s monthly debt payment to monthly income is calculated for service
Income Verification A consumer’s income and employment data is confirmed in the defined websites such as National Pension or Health Insurance
Credit Opening Possibility Index The possibility of changes to one’s credit status resulted from new credit opening is provided for service
Affordability Index The amount of repayment which can be made stably in the future without delinquency is provided for service
I-Index The possibility of a thin-file consumer’s delinquency is predicted and rank-ordered in the form of grades using alternative data
Market Brief/Outlook Consumer credit trend report provided for member clients’ lending strategy development
Solution Services
Solution Services
All-In-One Lending strategy (such as approval or reject, limit, and interest rate) operating solution
SAFE Fraud detection solution to prevent fraudulent transactions
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