Solutions

Every model your business needs

Credit, fraud, pricing, forecasting — whatever model your risk team needs, Consilience builds it faster and makes it better.

Credit Underwriting

Most common use case

Approve more. Lose less.

Your current model leaves money on the table. Consilience discovers credit signals hidden in bureau data, payment histories, and behavioral patterns — pushing your approval-to-loss frontier up and to the right.

✓Higher approval rates at the same loss rate
✓Improved AUC and Gini coefficients
✓Quantified upgrade potential in lower tiers
ConsilienceCurrent model→ Approval rateLoss rate ↓

Fraud Detection

Cut false positives without sacrificing approvals.

Fraud patterns evolve faster than manual rule updates. Consilience builds signal models that adapt — separating genuine applicants from fraud with sharper precision than rule-based systems allow.

✓Reduced false positive rate
✓Real-time scoreable features
✓Explainable decisions for dispute resolution
ApprovedFlaggedConsilience boundary

Loan Pricing

Price risk accurately. Maximize margin.

Our team built RL-driven loan pricing systems at leading fintechs. Consilience brings that expertise to build pricing models that tighten rate-to-risk alignment — reducing adverse selection across your book.

✓Tighter rate-to-risk alignment
✓Reduced adverse selection
✓Compliant with fair lending requirements

Before

18.5%

APR — everyone

One rate, all risk tiers

→

Consilience

10.5% APRPrime
14.5% APRStandard
18.5% APRNear-prime
↑ Higher approval rate·↑ Better risk-adjusted margins

Model Refresh

Keep models current without the manual slog.

Borrower behavior changes. Economic conditions shift. Models degrade. Consilience makes refresh fast — plug in new performance data and get a retrained, improved model without months of manual work.

✓Refresh cycles in days vs. months
✓Automated feature re-evaluation
✓Version-controlled artifacts
Manual6–12 monthsConsilience~3 daysTime →

New-to-Credit Customers

Expand your market without expanding risk.

Thin-file applicants are underserved because traditional bureau signals don't exist. We discover alternative predictors that score previously unscorable customers — expanding addressable market without increasing loss rates.

✓Score thin-file applicants with confidence
✓Expand into underserved segments
✓Lower manual review queue

Traditional

All applicants
Approved
→

Consilience

All applicants
More approved

Same loss rate · More market coverage

Loss Forecasting

Hit quarterly targets. Reliably.

Portfolio-level loss models with leading indicators give your finance and credit teams the runway to act before losses materialize — with tighter confidence bands than generic macro models.

✓Improved quarterly loss forecast accuracy
✓Leading indicator signal discovery
✓Vintage and cohort-level models
Generic model
Consilience
Loss RateHistoricalForecast →Consilience

Not sure which model to start with?

We’ll help you prioritize. Book a call and tell us about your portfolio — we’ll recommend where Consilience delivers the most immediate impact.

Talk to us