Service
Credit Risk Management
Business
Credit Risk Management
SERVICE MAP
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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.
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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.
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Collections
Collections are for supporting clients in managing delinquent customers through debt (customer) evaluation.
Personal
- “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.
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- Data in Daily Lives
- New data which is present in
consumers’ daily lives accommodated to
better understand consumers
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- New Evaluation
- Improve scoring system and take social
responsibility through consumer
protection by introducing new standards
in evaluation from the perspective of
consumers
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- 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.
- Present
- Financial transaction data
- Non-financial data
- Credit behavior (re-interpretation)
- Credit affordability
- Credit propensity
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Self-reporting
Income, tax payment, exemplary taxpayer, health insurance, national pension, telecom payment & utility payment
- Past
- Financial tr3ansaction data
- Credit behavior (re-interpretation)
- 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.
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- 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.
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- 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.
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- 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.
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- 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.