Proactively monitor your portfolio to uncover upsell opportunities and prevent defaults
Make smarter and more accurate portfolio monitoring decisions. Empower your risk and credit teams to operate autonomously, prevent defaults, improve repayment rates, and increase upsells by leveraging one-click integrations, an intuitive no-code, natural language interface, and Oscilar AI.
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Increase repayment rates and prevent defaults before they happen.
AI-Powered Workflow Creation
Describe your portfolio monitoring strategies in natural language and watch them come to life, tailored for various scenarios.
Tailored Credit Limits
Automatically adjust credit limits to optimize repayment rates.
Early Delinquency Warning
Identify accounts at risk of default before they miss a payment, enabling proactive intervention.
Build effective upsell workflows and strategies.
Intelligent Scoring and Recommendations
Leverage Oscilar AI to identify prime customers to upsell and cross-sell, taking into account behavior, ability to pay, and intent to pay.
Personalized Outreach
Design intelligent offer generation and outbound messaging workflows that adapt to each customer's context and behavior.
Perform advanced AI-driven analytics on portfolio health.
Real-Time Portfolio Health Analytics
Get an ongoing understanding of your portfolio’s repayment rates, default rates, and custom KPIs.
Uncover Nuanced Trends and Patterns
Slice and dice your portfolio with smart filters and reports to find the next profit growth opportunities.
Leverage the most advanced ML models for collections in the industry.
Balance Prediction & Spend Power
Predict customers’ bank balance for each of the next 30 days.
Pay Prediction
Predicts the date and amount of future paychecks, including both standard and non standard pay (eg. gigs).
Transaction Categorization
Categorizes transactions into pre-defined or user-defined categories (eg. rent, gambling, credit card payment, etc.)
Cash Flow Score
Predicts the probability of customer default, taking into consideration both customers’ ability to pay and intent to pay.
Orchestrate data and services from different providers for a 360 view of users and simpler collections.
One-Click Connection
Connect your own databases in one click with our powerful and automated database ingestion system.
Oscilar Marketplace
Seamlessly connect to 3rd party data sources by leveraging our 80+ partner marketplace.
Increase approval rates without increasing risk.
Backtest Historical Data
Run backtests in one click to validate new portfolio monitoring strategies with historical data before deploying them.
A/B Test Easily
Test portfolio strategy performance change on multiple versions with a single click.
Monitor Preferred KPIs
Manage approval rates, default rates and your own custom KPIs with a strong analytics suite.
