{"id":302,"date":"2022-04-14T12:30:10","date_gmt":"2022-04-14T12:30:10","guid":{"rendered":"https:\/\/pexitics.com\/?page_id=302"},"modified":"2022-04-15T06:35:47","modified_gmt":"2022-04-15T06:35:47","slug":"behavioral-risk-for-loans","status":"publish","type":"page","link":"https:\/\/pexitics.com\/index.php\/pexitics\/behavioral-risk-for-loans\/","title":{"rendered":"Behavioral Risk for Loans"},"content":{"rendered":"\n

Our ‘Intention to Pay’ ItP Q12 survey assesses customer intent for Loans. This is especially relevant now, as the ability to pay assessed through credit ratings have taken a dip post COVID and for New-to-Credit customers where a credit track is not available. ItP Q12 enables better Credit Risk Management and Risk segmentation. <\/p>\n\n\n\n

ItP Q12 Framework (spelt: It-py) The ItP Q12 framework borrows its name from \u2018Intention to Pay\u2019 where we pose 12 simple questions to assess borrower behavior behaviour logic across the 4 quadrants: Law Abidance \/ Morality \/ Responsibility \/ Self Preservation –  using a Survey methodology.<\/p>\n\n\n\n

\"\"
LMRS : Intention to Pay features <\/figcaption><\/figure><\/div>\n\n\n\n

 The scores are recorded as interaction axioms stored as LMRS nodes for creating clusters to denote efficacy of behavior as part of Credit Risk modelling for; enhancing access to new markets lowering of Credit Risk and default creating borrower behavior profiles<\/p>\n\n\n\n

The ItP Decision Triad aims at supplementing the existing Credit lending policy for retail credit . <\/p>\n\n\n\n

\"\"
Decision matrix <\/figcaption><\/figure>\n\n\n\n

The ItP test simplifies the concept of Intention to Pay; it needs to be understood as an application from the concept of behaviorism compared to the scoring algorithm to determine ability profiling.<\/p>\n\n\n\n

<\/p>\n","protected":false},"excerpt":{"rendered":"

Our ‘Intention to Pay’ ItP Q12 survey assesses customer intent for Loans. This is especially relevant now, as the ability to pay assessed through credit ratings have taken a dip post COVID and for New-to-Credit customers where a credit track is not available. ItP Q12 enables better Credit Risk Management and Risk segmentation. ItP Q12<\/p>\n","protected":false},"author":1,"featured_media":320,"parent":20,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":{"om_disable_all_campaigns":false,"_monsterinsights_skip_tracking":false,"_monsterinsights_sitenote_active":false,"_monsterinsights_sitenote_note":"","_monsterinsights_sitenote_category":0,"footnotes":""},"class_list":["post-302","page","type-page","status-publish","has-post-thumbnail","hentry"],"yoast_head":"\nBehavioral Risk for Loans -<\/title>\n<meta name=\"description\" content=\"Will the customer prioritize and engage for repayment of loan? 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