01The business problem
LECO already held years of data on customer payments, transactions, outstanding balances and loan settlement behaviour. Historical records alone, however, do not tell decision-makers how likely a customer is to repay in the future.
02What we delivered
We built a standalone application that adds an analytical layer on top of this transactional data. It consolidates each customer's payment information, analyses repayment behaviour, identifies behavioural patterns, tracks customers receiving loan facilities and estimates repayment risk. Custom models use signals such as payment behaviour, settlement history, outstanding amounts, payment consistency and transaction patterns. The goal is not to replace human judgement but to give staff stronger evidence for their decisions.