Validated • Explainable • Ready-to-Deploy

Production-grade Credit Risk Scorecards, out of the box

Deploy proven scorecards for Personal Loans, Vehicle Finance, Credit Cards, and Mortgages with governance, monitoring, and seamless integration into DecisionSmart & BridgeSmart.

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Model Pack Preview

Deploy, version, and monitor scorecards with audit-ready controls.

Personal Loan
Retail Scorecard
Vehicle Finance
Auto Scorecard
Credit Card
Revolving
Mortgage
Home Loans
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Model Catalog

Pre-validated scorecards tuned for GCC data realities. Ship quickly, customize safely, and govern every change.

Personal Loan Scorecard

Retail installment lending

Explainable Champion/Challenger KS/ROC ready

Optimized for application risk with bureau, income stability, affordability, and stability variables.

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Vehicle Finance Scorecard

Auto loans & leasing

Fast path Integrates to DS Audit trail

Includes LTV, asset segment, employment and bureau behavior signals with adaptive cutoffs.

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Credit Card Scorecard

Revolving credit

Cutoff & Limit strategy Pricing hooks Monitoring

Application & behavior variants with utilization, delinquency and balance dynamics.

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Mortgage Finance Scorecard

Home loans

PTI/LTI aware Regional factors Data pipelines

Incorporates property, tenure, and macro overlays with conservative calibration options.

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Coming Soon

SME Scorecard

Small & Medium Enterprises

Financial statements Sector mapping Open banking ready

A blended model combining bureau, bank data, director signals, and cash-flow metrics.

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Why Choose Ufoq Al-Maliyah?

Explainable by Design

Score contribution breakdowns, reason codes, and challenger analysis built-in.

Governance & Audit

Versioning, approvals, and full lineage meet internal audit & regulatory expectations.

Deploy in Weeks

Templates and connectors reduce delivery time without sacrificing rigor.

Performance Monitoring

Population stability, PSI/CSI, ROC/KS, and drift monitors ready to use.

Local Calibration

Adjust cutoffs & scaling while preserving explainability and stability.

Plug into Your Stack

Native integration with DecisionSmart & BridgeSmart, plus REST APIs.

Frequently Asked Questions

Yes. We support feature selection, binning, scaling, and cutoff strategies with governance and full version control.

Models are packaged for DecisionSmart or exposed via REST. We also provide UAT sandboxes and performance monitors.

Yes — dashboards for PSI/CSI, ROC/KS, overrides, champion/challenger, and data quality are included.

Each model ships with a model card, variable dictionary, and deployment runbook. See Resources for samples.