The volume of information available today presents many lenders with the challenge of fully leveraging their data, or potentially missing out on opportunities for their business and commercial customers.
Lead Limits utilises AI to analyse comprehensive data sources – including cash flow, seasonality, and repayment habits – to identify new lending opportunities with your existing commercial customer base. By accessing the insights behind these limits, your relationship managers can engage in meaningful conversations with customers and grow their portfolios.
Key Benefits
Unlock new opportunities
Leverage additional data sources to identify untapped
lending opportunities within your portfolio.
Improve the customer experience
Use tailored, data-driven insights to enrich customer
conversations and add value.
Grow sustainably
Grow your existing loan portfolio safely and responsibly by
proactively offering personalised credit limits.
Lend responsibly
Identify additional servicing capacity with existing customers
that align with your organisation’s risk appetite and credit policies.
Increase efficiency
Streamline the origination process with pre-approved limits,
reducing lending time and operational costs.
How it works
Lead Limits leverages the RDC.AI decisioning platform using traditional, latent, and alternate data to deliver insights for more predictive decision-making. The platform combines all elements of credit assessment in one place, continuously monitors customer data, and provides clear explanations for AI-based recommendations to help stakeholders understand the reasoning behind them.
Features overview
Transparent, explainable credit decisions
AI-powered risk and serviceability assessment
Proactive risk and serviceability pre-assessed limit offers
Intuitive internal policy rule configuration
Dashboard with customer insights, predictions and benchmarks
Transformations enabled by Lead Limits
From
To
Generic limit amounts based on segmentation
Specific limits tailored to individual behaviour and considering existing risk levels
Identified limits outside the origination process
Identified limits within the origination process
Assessment based solely on historical data
Assessment incorporating historical data plus predictions and projections
Customer
success story
A major bank approached RDC.AI to help find opportunities within its existing portfolio to responsibly increase lending limits. Following the planned implementation of Lead Limits, the bank is expected to identify approximately US$1.5 billion in new lending limits, which will have significantly lower risk profiles compared to its previous processes.
Get in touch
Discover how Lead Limits can help you safely expand your loan portfolio for the right customers.