← Underwriting Intelligence Layer 03 · Custom Credit Scoring Models

Risk
Decisioning

The first two layers hand you data that's clean, structured, and verified. Now the call is made on how deals in your portfolio have actually performed, across asset class, origination mix, and obligor history, and scored against your own risk appetite. A credit decision is a risk decision, and this is where it gets made.

Talk to an expert → See the full sequence
One solution: Underwriting Intelligence. Three interconnected layers, sequenced risk-first.
01
Intake Integrity
Automated application intake
→
02
Counterparty Risk, Verified
KYB / KYC
→
03
Risk Decisioning
Custom credit scoring models
The challenge

/Generic scores miss what your portfolio knows

Underwriting that leans on manual reviews, subjective judgment, and generic credit scores results in:

  • 01Missed opportunities, with strong applicants overlooked.
  • 02Higher defaults and avoidable portfolio losses.
  • 03Limited scalability as volume grows.
Solution

/Custom Credit Scoring Models

Models trained on how your portfolio behaves, tailored to your risk appetite, and built with AI and advanced analytics for maximum predictive accuracy. Ongoing support keeps them evolving with your business and market conditions.

Model development → Hassle-free model implementation → Ongoing model management and maintenance → Model calibration and improvements
Quantifiable impact

/Smarter decisions

Kin clients consistently achieve measurable gains in underwriting performance.

−20%
default rate
+30%
approval rate
+20%
predictive power vs. generic scores
*Measured by Gini coefficient
Built for growth

/Scalable decisioning framework

The model never works in isolation. It plugs into a complete automated decisioning framework covering probability of default, risk grade, decision cutoffs and policy checks, turning every score into a consistent decision. And it's built to grow with you.

Stepstone to full automation

Policy checks and cutoffs run automatically, a foundation for automating the entire underwriting workflow, not just the score.

A risk analytics roadmap

The same models extend into CECL/IFRS 9 provisioning, pricing to risk, and stress testing.

Refines as you grow

Scales to new segments, models and data sources as your portfolio evolves, never starting from scratch.

A layer of Underwriting Intelligence

Risk-first credit decisioning, built for your business.

See the full solution →
The sequence

/Where this layer sits

← Comes after

02Counterparty Risk, Verified

Scoring is only as sound as its inputs. Layer 02 confirms every counterparty is real and compliant, so the decision runs on facts, not claims.

Revisit Layer 02 →
Feeds into → Your portfolio

The decision, and the loop

Risk Decisioning is the final layer of the sequence. Its outputs flow back into your portfolio (pricing, monitoring, CECL and stress testing) so every future decision is trained on how deals actually performed. The risk-first loop closes.

Talk to an expert

Tell us about your portfolio and the credit problems you're wrestling with.
We'll show you what underwriting intelligence, built around your book, actually looks like.

FAQ

/Custom credit scoring, answered

What's the difference between custom and off-the-shelf credit scoring? +
Off-the-shelf (generic) scores are built on broad, cross-industry data and treat every lender the same. Custom credit scoring models are trained on how deals in your own portfolio have actually performed, across asset class, origination mix and obligor history, so they capture risk a generic score misses. Kin's custom models deliver about +20% predictive power (Gini) versus generic scores.
How much can custom models improve underwriting? +
Kin clients consistently see measurable gains: roughly a 20% lower default rate, a 30% higher approval rate, and about 20% more predictive power (Gini) than generic scores.
Do the models support CECL / IFRS 9 and risk-based pricing? +
Yes. The models integrate into a comprehensive auto-decisioning framework that provides a foundation for CECL/IFRS 9 compliance, risk-based pricing and stress testing, with unlimited scalability as your portfolio grows.
What does "risk-first" credit decisioning mean? +
Risk-first means the credit call is made on trustworthy signals, scored against how your portfolio actually behaves and your own risk appetite. Because Intake Integrity and Counterparty Risk, Verified deliver clean, verified data, the decision runs on facts, not assumptions, so it holds up under scrutiny.

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