SERVICE

(주)케이에스씨앤씨는 사용자 편의를 최대 수준으로 고려한
신용평가엔진을 제공할 수 있도록 최선의 노력을 다하겠습니다.

Credit risk model
Credit risk model Bond management model Customer Relationship Management Comprehensive Asset Risk Prediction Index
Data analysis service
credit risk model

In transactions with individuals or companies, differentiated business

is provided to groups with high and low credit reliability through credit risk assessment.

Application Scoring System (ASS)
Main Services

The new customer's basic information and financial transaction information are measured at the time of application to determine whether they are good or bad. This is used in the review and approval strategy of loan products and is used to determine appropriate interest rates and limits depending on the applicant.

Utilization strategy

Approval Strategy

By systematizing objective and quantitative review standards, subjective intervention by reviewers can be eliminated and review efficiency can be improved.

Limit strategy

The future repayment rate is predicted and defined by considering the individual's credit rating and repayment ability calculated through the application rating.

interest rate strategy

By granting differential interest rates depending on the customer's credit rating, we can expect to reduce the default rate and increase profits by selecting and securing quality customers.

Behavior Scoring System (BSS)
Main Services

We predict the possibility of insolvency based on the customer’s transaction type.

Through a comprehensive evaluation of claims and deposits during the relevant period, it is used in various fields such as limit and interest rate adjustment strategies, extension strategies, and prevention of entry into delinquency.

Credit risk model
Utilization strategy

Maturity extension strategy

This is a strategy to reduce insolvency and improve profits by re-evaluating the company's credit rating at the point of maturity.

Limit/Interest Rate Adjustment Strategy

This is a strategy to secure quality customers by determining customer loyalty and credit rating based on the customer's repayment pattern and current situation.

Cross-selling strategy

This is a strategy to meet customer needs and increase company profitability by introducing various products and services to customers with excellent repayment history.

Credit risk model utilization FLOW
Bond management model

KSC&C provides an efficient collection strategy using internal and external information such as customer credit status and payment patterns through its own specialized method

Main Services

Collection Scoring System


We predict the possibility of bond collection by analyzing various information such as customer's financial status, repayment history, and economic outlook, and propose an efficient bond management plan that strengthens the stability of bond collection by identifying the possibility of insolvency in advance.

CallSEG


This is a service that detects changes in customer credit status on a daily basis, recognizes early signs of insolvency, and provides an optimized collection strategy, including strengthening management strategies and utilizing fraud detection strategies.

Utilization strategy

Delinquency management strategy

Based on the collection rating, we analyze the customer's current status and differentiate the management and collection method for each individual claim, improving the efficiency of collection.

Early transfer

We increase the efficiency of credit management and improve the recovery rate through intensive management through analysis of the repayment history and credit information of overdue receivables.

Payment Trigger

By analyzing customers' recent payment patterns and information and providing a summary of the information needed for collection activities, we focus on collection activities and improve work efficiency.

Call Process Navigator

Through individual agent analysis, you can improve overall work ability by presenting guidelines to new or low-performing agents.

FLOW utilizing bond management model
Customer Relationship Management

By providing customized information through customer data analysis, you can strengthen your bond with customers, increase loyalty, and improve corporate competitiveness to achieve sustainable growth.

Comprehensive Asset Risk Prediction Index

By combining macroeconomic and microeconomic information, we provide a system to predict market and competitor trends and the company's position, helping it respond effectively even in rapidly changing market situations.