Credit risk management for captive finance
Mitigate risk in a shifting financial landscape with credit risk management from SAS. Our award-winning risk modeling automates your entire credit workflow to make the best possible financing decisions in seconds. Improve operational efficiency, achieve higher recovery rates, lower credit losses, increase credit approvals and save millions in charge-offs. It's time to get serious about getting ahead.
Why choose SAS for manufacturing solutions?
Improve productivity, accuracy, lending and leasing responsiveness, and returns by automating decisioning with AI and machine learning. Ensure pricing models and credit decisioning processes adhere to industry standards and regulations with built-in compliance features.
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Credit origination with precise credit decisioning
Build end-to-end lending and leasing decisioning processes. Automate precise credit risk assessment and ensure corporate and regulatory compliance. Make real-time decisions with multiple offers and counteroffers.
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Risk-based pricing & credit limit management
Determine limits using affordability assessment processes and analytical tools. Create interest rate models that accurately reflect individual customer risk. Determine price points to maximize profit using a RAROC pricing engine.
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Automated vehicle remarketing decisioning
Automate key remarketing processes and drive higher returns by proactively managing the portfolio nearing end-of-lease. Model the ideal vehicle price, channel and distribution location by analyzing a wide variety of conditions.
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Proactive risk profiling & portfolio monitoring
Continuously assess each customer's risk profile and track real-time portfolio performance. Anticipate defaults/delinquencies with an early warning system (EWS) that facilitates decisioning on restructuring terms and conditions.
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Credit collections optimization
Increase productivity and improve KPIs using advanced optimization algorithms and techniques to find the most efficient solution. Analyze debt collection scenarios and monitor strategies in real time through integrated dashboards.
Automatically manage the entire credit life cycle
Combine and prepare data from disparate sources, seamlessly integrate it with state-of-the-art credit risk modeling and enable business users to discover valuable insights.
Lend credit and lease vehicles faster with less risk
Enhance growth and lower operating expenses with an automated intelligent decisioning solution for granting credit and leasing using advanced analytics, AI and machine learning.
Increase your revenue from each customer
Optimize the credit limit and financing price for new vehicle lending and leasing. Proactively manage off-lease portfolios with automated analytics and decisioning.
Monitor credit and protect your portfolio
Deliver a swift response to delinquencies or changes in customer risk status with automatic credit monitoring that includes robust and accurate early warning capabilities.
Minimize collections costs and maximize recovery amounts
Proactively address delinquencies and determine the most effective debt collection strategy to maximize returns through advanced analytics and decisioning optimization.
How SAS delivers award-winning manufacturing solutions
Recommended resources for manufacturing solutions
SAS is a leader in manufacturing solutions
SAS is a Leader in the 2024 Gartner® Magic Quadrant™ for Data Science and Machine Learning.
Featured Product
Learn more about our credit risk management software that helps captive lenders mitigate risk and bring in greater returns.
SAS for Risk Modeling and Decisioning
Move seamlessly from data preparation to model development, deployment, decisioning and monitoring, driving stronger risk management and supporting regulatory compliance activities.
- Superior data collection, orchestration and enrichment.
- Fast, flexible scorecard development and world-class performance reporting.
- Parameter sharing and in-database processing.
- Common decision authoring and deployment.