Enterprise Credit Risk Management for Banks

Banking Risk Management Software

Monitor and manage the full credit customer lifecycle with GDS Link’s industry solutions.

Staying Relevant with Modern Borrowers

Remaining competitive is increasingly a matter of being able to adapt to ever-changing market conditions and borrower expectations.

Optimize your credit decisioning. Acquire better leads more quickly. Implement an end-to-end digital loan experience, from application to funding. Survey the full extent of your portfolio for new opportunities with a few keystrokes. Vet accounts and assign them to retention and collection workflows automatically. And accomplish all this while minimizing your exposure to risk and maximizing profitability.

End-to-End Loan Origination and Customer Engagement Solution

GDS Link’s Modellica Digital Onboarding provides a powerful pre-screen engine that enables banks to provide a meaningful offer to their customers through direct marketing and wherever the consumer may be shopping for loan options online. After choosing an offer, Modellica Digital Onboarding provides borrowers with a seamless, end-to-end origination experience. The Digital Onboarding solution is unique in that it seamlessly incorporates high-performance models, third-party data integrations, and manual underwriting workflow.

Break Free from Your Legacy Systems

Discover meaningful insights, refine models, run simulations and make recommendations without committing to a complete overhaul of your existing tech stack. GDS Link’s solutions are adaptive and can pivot as needed to adjust to market changes while utilizing modeling to determine the most appropriate move-forward strategies.

Smoothly Adapt to Market Changes

Test new products seamlessly. Keep pace with the competition. Seize new opportunities arising in response to fiscal policy developments and regulatory changes. Ensure compliance, data security, and mitigate fraud with ID checks and access to over 200 global sources of borrower data.

Thrive on Risk — Strategically

When an organization lacks confidence in its risk management, it can destabilize portfolio performance. Stop leaving money on the table. Create continuous feedback to close the loop between strategy and outcomes. Transform every loan application, customer interaction and collections effort into invaluable learnings utilizing insights derived from Modellica’s robust analytics engine. Let your data drive your decision-making and help you spot revenue-generating trends in borrower behavior.

What Our Customers Say

“We had a 50% reduction in time to implement a Logistical Regression Model by using GDS's PMML tool. Previously it took approximately 20 hours and with this tool we can deploy a model in approximately 10.”

Senior Manager of Risk Analytics, Alternative Lending (goeasy)

“We have the ability to pull and aggregate data - pass the data through the decision engine - implement rule sequences and process credit applications for multiple banks. The stability of the base code allows us to turn the tool into what we need to be – it is a huge benefit.”

Fundation Representative, Small Business Lending

“Working with GDS allows us to automate very complex decisioning algorithms and incorporate new models that could not be accomplished in our old system. It is the key to success.”

Head of Credit Infrastructure, Specialty Finance, Short Term Installment lending (Republic Finance)

“We wanted to duplicate the existing systems capabilities at a lower cost and be able to add additional functionality as needed.”

Leader Commercial Truck Financing (BMO)

GDS Link Whitepaper "Inflection Point"

Our latest whitepaper explores Marketplace Lenders’ recent upswing, why banks’ and credit unions’ digital transformation efforts have been ineffective against it, and what they can do to turn things around.

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