Credit Scoring by senang.io is a digital risk assessment solution that helps businesses evaluate creditworthiness quickly, accurately, and efficiently.
Designed for financial institutions, fintech platforms, BNPL providers, and SMEs, Credit Scoring enables smarter lending decisions using data-driven insights — reducing risk while improving approval speed.
Why Credit Scoring Matters
Extending credit without proper risk evaluation can result in:
High default rates
Cash flow disruption
Fraud exposure
Inconsistent approval decisions
Traditional manual reviews can be slow and subjective.
Optional Add-Ons (Depending on Plan)
Assess borrower risk instantly
Improve approval turnaround time
Reduce operational workload
Maintain consistent underwriting standards
How Credit Scoring by senang.io Works
01
Data Collection
With proper consent, relevant financial and behavioural data is gathered from approved sources.
01
Data Collection
With proper consent, relevant financial and behavioural data is gathered from approved sources.
01
Data Collection
With proper consent, relevant financial and behavioural data is gathered from approved sources.
02
Risk Assessment Engine
Advanced scoring models analyse credit indicators such as: Payment history, Income consistency, Debt exposure, Transaction patterns, Behavioural risk signals
02
Risk Assessment Engine
Advanced scoring models analyse credit indicators such as: Payment history, Income consistency, Debt exposure, Transaction patterns, Behavioural risk signals
02
Risk Assessment Engine
Advanced scoring models analyse credit indicators such as: Payment history, Income consistency, Debt exposure, Transaction patterns, Behavioural risk signals
03
Generate Credit Score
A risk score is produced, helping businesses categorise applicants into risk tiers.
03
Generate Credit Score
A risk score is produced, helping businesses categorise applicants into risk tiers.
03
Generate Credit Score
A risk score is produced, helping businesses categorise applicants into risk tiers.
04
Decision Support
Businesses can automate approval thresholds or use the score as a decision-support tool within their underwriting framework.
04
Decision Support
Businesses can automate approval thresholds or use the score as a decision-support tool within their underwriting framework.
04
Decision Support
Businesses can automate approval thresholds or use the score as a decision-support tool within their underwriting framework.
What Credit Scoring Can Support
✔ Loan applications
✔ BNPL approvals
✔ Instalment plan assessments
✔ Insurance underwriting
✔ Vendor or partner risk evaluation
✔ SME financing decisions
Key Features of Credit Scoring by senang.io
✔ Real-time scoring via API integration ✔ Customisable risk thresholds ✔ Scalable infrastructure for high-volume processing ✔ Secure data handling and encryption ✔ Integration-ready for digital platforms
Key Benefits
Faster credit decisions
Faster credit decisions
Faster credit decisions
Reduced default risk
Reduced default risk
Reduced default risk
Improved operational efficiency
Improved operational efficiency
Improved operational efficiency
Enhanced fraud detection
Enhanced fraud detection
Enhanced fraud detection
Data-driven approval consistency
Data-driven approval consistency
Data-driven approval consistency
Who Should Use Credit Scoring?
Credit Scoring is ideal for:
Fintech platforms
BNPL providers
Digital lenders
Insurance providers
Marketplaces offering instalment payments
SMEs extending trade credit
If your business provides financing, instalments, or deferred payments, Credit Scoring helps protect your bottom line.
