QUALCO DATA-DRIVEN DECISION ENGINE

The central hub for credit portfolio analytics

Automate every stage of your analytics workflow with our integrated credit portfolio analytics software. Get ready to:

Get a consolidated data view
Build models with minimum cost
Predict customer behaviour
Minimise analyst effort

Μake sense of your data

QUALCO Data-Driven Decisions Engine (D3E) is your one-stop solution for portfolio analytics in credit management. It simplifies data analysis and compliance and is ideal for servicers, banks, utilities, and any organisation handling credit and debt portfolios.

Data Organisation

Keep track of your portfolio's changes easily

Data Processing

Transform and sequence data for analytical insights

Machine Learning

Use explainable algorithms to understand customer behaviours and segments

Tailored Treatments

Deliver customised actions for different customer groups to enhance performance

Strategic Insights

Shape treatment strategies and estimate their impact on your bottom line

Regulatory Compliance

Generate compliant reports based on analysis results

USE CASES

5 Ways To Maximise Business
Value With D3E

COLLECTION AGENCY ALLOCATION OPTIMISATION
PROPENCITY-TO-
PAY
PORTFOLIO SEGMENTATION
BUILDING A SELF-SECURE STRATEGY
EARLY WARNING INDICATORS

COLLECTION AGENCY ALLOCATION OPTIMISATION

Obtain significant uplift in cash collections
Minimise setup costs through model-building automation
Eliminate time-consuming manual processes
Reduce operations costs

PROPENCITY-TO-PAY

Optimise resource management
Reduce communication costs
Increase contactability and positive reactions
Simplify communication strategies

PORTFOLIO SEGMENTATION

Increased operational productivity
Reduced time and improved collection results
Quick adaptation to customer behaviour
Enhanced customer experience through personalised treatment

BUILDING A SELF-SECURE STRATEGY

Streamline collections operations
Reduced collection costs
Increase customer satisfaction and rehabilitation
Improve roll rates via insight-driven customer treatment

EARLY WARNING INDICATORS FOR CREDIT RISK

Achieve double-digit uplift in cash collections
Increase self-cure rate in early buckets
Realise significant cost savings
Optimise resource allocation

Key Capabilities

DATA
WAREHOUSING

A centralised repository that stores large volumes of structured and unstructured data from various sources. It provides a single source of truth for decision-making.

DESCRIPTIVE ANALYTICS

Get comprehensive insights into past and current financial data that help you optimise strategies, improve decision-making, and enhance operational efficiency.

PREDICTIVE ANALYTICS

Produce explainable, white-box, predictive models to empower your decision-making process. Create scorecards, predict future outcomes, and gain actionable insights.

PRESCRIPTIVE ANALYTICS

Deploy models in production and utilise process modelling for smarter decisions. Combine predictive and descriptive analytics to evaluate performance and adjust.

REPORTING

Access self-service reporting and predefined reports via any data feed or preferred interface. Easily manage ad hoc requests by reusing existing analyses and automate data exchanges with regulators and credit agencies.

D3E in action

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Simplify data handling, model updates, and analysis
Enhance segmentation and forecasting
Identify customer behaviour and tailor treatments

QUBE

Struggling with tight collection margins?

QUBE is a powerful decision engine that integrates seamlessly with your collection platform, driving strategic activity at every stage. It turns historical data into targeted decisions, optimising the entire process with quick deployment and pre-built digital strategies for fast ROI.

10% boost in operational efficiency
10% improvement in collection outcomes
15% increase in recovery rates
Up to 75% surge in digital engagement

WHY QUBE?

AI-driven insights tailored for unique customer needs
Quick deployment with pre-built digital strategies for fast ROI
Seamless integration for unified, end-to-end collection processes
Scalable and flexible to adapt to changing needs

D3E Release Notes

Are you interested in learning about the latest developments in D3E? Explore new product features, enhancements, and much more.

Frequently Asked Questions

What technology is QUALCO Data-Driven Decision Engine (D3E) built on?

D3E uses a combination of traditional Microsoft (SQL Server, .NET) and Big Data (Hadoop, Spark) technologies to support portfolios holding millions of accounts under active management. Updates are processed daily, and historical data is maintained for years.
What are the system's deployment options?

We offer various deployment options tailored to meet your unique data needs. The fully hosted option, deployed on a virtual private cloud, provides a comprehensive, holistic solution. With the in-house option, you can choose from dedicated or shared physical or virtual infrastructure for deployment within your premises. Lastly, the hybrid option, a variant of the in-house option, uses computational cluster facilities, as provided by QUALCO's virtual private cloud.
Does D3E ensure the privacy and security of my data?

D3E prioritises data privacy and security, fully complying with regulations like GDPR. The system uses anonymised data for reporting and modelling, safeguarding sensitive information. It accommodates requests for data erasure or processing restrictions, ensures non-discriminatory decision-making and suggests actions, leaving final decisions to operations systems to comply with GDPR.