Earnix Lending Plus:
Integrated AI-Driven Pricing Analytics and Credit Risk Decisioning Platform
Underwriting and Pricing Efficiency for Consumer Lending
Pricing and Risk teams often struggle to accurately forecast loan profitability or volume based on changes in pricing strategy or adjustments in underwriting rules. Seeing the “big picture” and assessing a lending portfolio performance is frequently hindered by complex, disconnected pricing and credit risk decisioning systems, requiring multiple handoffs.
Earnix Lending Plus solves these issues by combining advanced pricing optimization and simulation capabilities with automated, AI-driven credit risk decisioning in a single solution. Lenders can easily run joint simulations and assess the combined impact of pricing or credit policy changes for a smarter, automated lending operation.
Analytics-driven pricing optimization
Operationalize analytics to find the “sweet spot” for your loan prices and grow profitability across the entire consumer lending portfolio, including unsecured loans, cards, auto finance, mortgages and more.
AI-enabled credit risk decisioning automation
Integrate advanced analytics into credit decisioning to drive selection of the right risks more efficiently while elevating credit approval automation rate and reducing manual interventions.
Step Into the Future of Banking
Explore Earnix Lending Plus Capabilities Across Your Lending Portfolio
Earnix Lending Plus combines advanced pricing analytics, price optimization,
and simulation capabilities with automated credit risk decisioning in a single solution.
Auto Loans
Leverage AI-backed analytics to manage tradeoffs between volume, risk, and profitability. Run portfolio-level simulations to find your “sweet spot” for auto loans and leases. Integrate Alternative Deal Structures into your direct and indirect offerings to improve approval rates.
Unsecured Personal Loans
Take advantage of AI-driven price optimization and loan personalization technology to increase acceptance rates and capture market share while keeping delinquency rates at bay. Support governance and compliance while enhancing transparency with automated audit trail for each quote.
Mortgages and HELOCs
Develop cutting-edge home lending pricing strategies to overcome challenging market conditions and improve loan profitability. Support financial inclusion for customers with non-traditional credit profiles by incorporating alternative data into the decisioning process.
Deposits & Savings
Use the power of AI-driven pricing analytics to present your customers with the banking products that align with their financial circumstances. Leverage predictive models, price optimization, and personalization technology to balance the tradeoffs between growth and profitability.
SMB and Commercial Loans
Assess the combined impact of pricing or credit policy changes through joint simulations, for a smarter, automated, and more cost-effective lending operation. Achieve full business alignment through applying forecasting, simulation, segmentation to your pricing strategies.
Gain expert insight on the future of lending
Discover practical tips, recommendations and best practices for leveraging AI and machine learning to automate credit risk decisioning, optimize pricing models, maintain profitability and market share amidst challenging market conditions.