Eliminate guesswork in initial line setting. Our models analyze a member’s full financial ecosystem to assign optimal starting limits that balance competitive positioning with institutional risk tolerance.
Identify “star borrowers” before they ask. This engine monitors spending velocity and repayment consistency to trigger automated, low-friction limit increases, driving higher top-of-wallet spend.
Visualize the impact of limit changes before you deploy them. Run “what-if” scenarios across your entire book to see how adjustments to assignment logic affect your projected delinquency and yield.
By leveraging real-time behavioral data to proactively adjust credit lines, our platform ensures you maximize interest income during growth phases and mitigate loss during economic shifts.
Increase in interchange revenue for high-spending, low-risk members.
In potential charge-offs through early-intervention, risk-based limit decreases.
In manual credit committee reviews for routine, automated limit adjustments.
A large lending institution lost transaction volume due to a manual credit limit process. Deploying a Proactive CLI module to identify the top 15% of the portfolio with high repayment capacity produced a 60% activation rate and increased monthly interchange income without raising delinquency.