Lending Solutions with AI and Data Science
HES provides lenders with end-to-end loan management solutions. We cover all aspects of lending from mortgage loan origination software, auto loan servicing software, merchant cash advance software to hard money lending software SME lending platforms. Streamline back-office operations and grow 5x faster than those on competitive platforms.
AI-Powered Credit Scoring System
Harness Machine Learning and Artificial Intelligence to build credit scoring models for both
consumer and business lending. Churn rate prediction, collection/application scoring, propensity
modeling, in-depth analytics.
Build a Model
GiniMachine needs a dataset of at least 1,000 previously issued loans with repaid or
overdue status. Without the need for preliminary analysis, the system automatically
builds a model using your loan portfolio history.
Validate & Verify
Every time the model is built, GiniMachine automatically generates a detailed validation
report. You get full information about the quality of the model: the Gini Index,
attributes importance, performance indicators, etc.
Deploy a Model
When the model is built and validated, it can be instantly integrated into your credit
scoring process. Deploy it either in the cloud or set up on your own premises via a
simple REST API.
Trusted Partner with Banks & Fintechs
HES lending solutions are used by lenders worldwide to better manage the loan lifecycle, save time,
streamline internal workflow and reduce costs.
A UK-based online financial (robo) advisor, which provides comprehensive advice on
investment, pensions, etc.
A digital finance company specializing in automated payday loan services, and providing
customers with short-term loans.
A fintech company implementing an online business model for large markets in South-East
Asia.
The largest privately owned bank in Russia, with a subsidiary bank in the Netherlands, and
financial subsidiaries in the UK and Cyprus.
A mobile lending platform provider with a strong focus on alternative data analysis, giving
instant credits to SMEs and consumers.
Consumer lending and equipment leasing services at the point of sale. Its partner network
includes over 2,500 retailers.
Customization & Development
Each lender has a unique set of objectives, requirements, and a vision for their lending
platform. HES gives you the utmost flexibility to customize and extend our tailor-made software.
All you need to do is take the backbone of the platform, and create a custom lending solution
that perfectly fits your business needs. You can adapt fast, and go live in just 90 days!
Dynamic and highly customizable modular architecture.
Configurable workflow to improve process efficiency.
Extensive integrations with over 100 best-in-class 3rd parties.
Flexible product engine features and parameters.
Discover how HES can help you
If you have any questions or would like to schedule a demo, feel free
to contact us and we'll get back to you right away.
