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Credit Scoring, Custom-Built for Your Business
Ideal for lenders with complex portfolios, advanced risk goals, or rich data environments looking for full model customization and long-term scalability.
Trusted by thousands of businesses worldwide.
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Features
What Is Custom Scoring?
Our Custom Scoring solution is a fully managed, end-to-end service for financial institutions with complex data needs or unique risk strategies. Unlike Scorecards, this is a tailor-made model built by our expert team using your historical and behavioral data.
Offer better loan conditions utilizing unique data you possess
Achieve better accuracy
Reduce cost and time
Utilize your collected customer’s data
Digitalize and automate processes to shorten TAT
Offer better loan conditions utilizing unique data you possess
Achieve better accuracy
Reduce cost and time
Utilize your collected customer’s data
Digitalize and automate processes to shorten TAT
Offer better loan conditions utilizing unique data you possess
Achieve better accuracy
Reduce cost and time
Utilize your collected customer’s data
Digitalize and automate processes to shorten TAT
Offer better loan conditions utilizing unique data you possess
Achieve better accuracy
Reduce cost and time
Utilize your collected customer’s data
Digitalize and automate processes to shorten TAT
Need a faster, plug-and-
play scoring option?
Check out our Credit Scorecard Builder designed
for rapid deployment and minimal setup.
for rapid deployment and minimal setup.
Custom credit scoring solution overview
A simplified, AI-driven pipeline ensures insurers can scale operations without increasing overhead.
Request a ConsultationEmpower
Unlock the Power of Custom Credit Scoring
Financial regulations
Seamless scalability
Data driven decision
Compliance & transparency
Custom credit scoring
MSME scoring
Cash loan scoring
Revolving scoring
Income scoring
Collection scoring
Car loan scoring
AI/ML capability
Optimization algorithms
Predictive modeling
Advanced analytics
Machine learning models
Model re-training with new data
Credit Limit Decision
Financial regulations
Size of each lending fund
Business strategy etc.
Tailored for your business needs
Process for credit scoring
Business proposal
Data availability
Model based business decision
Data utilization
Alternative
Traditional
100x
Faster
Decision time
15%
Average NPL reduced
with good approval rate
67%
Lower cost
Higher efficiency
Custom Scoring vs. Scorecard: Which One Fits You?
Feature
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Customization level
Fully customizable (AI/ML models)
Predefined structure with configurable rules
Ideal for
Lenders with complex or unique data needs
Lenders needing fast, standardized implementation
Maintenance
Historical data needed for training
Minimal data, ready-to-use
Integration
Retraining and optimization supported
Fixed scoring logic, periodic updates
Integration
API-based, flexible architecture
Fast integration with minimal setup
Process
Credit scoring implementation steps
Solution design consulting
Jointly craft the ideal credit scoring system for the client.
AI/ML credit scoring PoC
Experiment AI models with your historical customer data
Service Development
Integrate the AI credit scoring with your LOS/LMS
Support & Maintenance
Choose between an API service integration (monthly support and maintenance fee) or deploy to our AutoML platform.
Testimonials
Real Results from Custom Scoring in Action
See how our AI-powered scoring models are helping financial institutions scale responsibly, cut inefficiencies, and unlock new growth opportunities.
We highly value AND Solutions’s challenging spirit, broad expertise in scoring, lending ecosystem building, fast delivery & high quality of system and superb communication level.
— Hiroyuki Goto, President
Significant reduction in customer acquisition cost
"With looms, we’ve achieved 100% automated credit decisioning within just 3 minutes. It’s not just about speed it’s about smarter, scalable lending that reduces costs and opens doors to new markets.”
— Uuganbayar, CEO of LendMN
Ready to Build Smarter Credit Decisions
Let our experts design a scoring model tailored to your data, risk strategy, and customer base. Custom-built. AI-powered. Fully yours.