Equifax Products and Services

Equifax Products and Services
Powered by bureau and analytics

Equifax Introduction
Overview
PROPRIETARY | 2
Equifax – Global
VISION EQUIFAX DATA
To be the global leader in information Equifax Maintains Data, Worldwide, on

More Than:
solutions that creates unparalleled
insights to solve customer challenges 820M
Consumers
91M
Businesses
$3.4B 11,000+ 24
Global Information Solutions
Company
Employees Countries 380M
Employee files
TOP AWARDS
PROPRIETARY | 3
Equifax- India
Equifax Bureau EQUIFAX Capabilities
Accessed by Top 10 lenders of the country
Specialized BFSI focused
No. 1 Preferred Bureau for Micro Lending analytics CoE
Access to global
technology expertise
30M+ 1.5 Bn+ 500 M+ 5500+

Credit enquiries a month Tradelines Customer Profiles Members -Banks / NBFCs Alternate Data
capabilities
TOP CLIENTS
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Select Bureau & Analytics Clients
Banks
NBFCs
MFI, Banks /
SFB
Fintechs
PROPRIETARY | 5
Products List
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Products and Solutions – Enabling Digital Journey
Prospecting Onboarding Origination Underwriting Disbursement Early Warning Signals / Line Management /
System Delinquent Customers X-sell / Upsell
Prospecting – Macro and Micro Customer Demographic - Prefill

• Market Entry / Exit strategy - Opinion • Anonymized Application • Alerts – Collection • Portfolio Review
Bureau details and Inquiry
Reports Scorecards • Portfolio
• ERS 3.1 • Bureau Fraud Model • Collection Score diagnostics
• Credit Insights
• Income Estimation on CIR • Line Assignment • Custom collection • Digital Cross-sell
• Prospect Identification (Prospect PR)
• EMI Estimation on CIR • Approve / Decline Strategy score and strategy campaigns
• Bureau Based Hypothesis testing
• Dimensions • Model Validation • Early Warning • Propensity score
• Reject inferencing
• Lifestyle Cohorts • Regulatory Modelling – IFRS9, • Skip Tracing • Propensity and
• Lost Sales analysis
• Combined Credit Report IndAS, Stress Testing cross-sell models
Fraud Identification:
• SMS2Loan • Score Simulator
• Document Verification
• Commercial CIR
• Email Authentication
New To Credit / Thin File:
Verification
• Payment Transaction Score Interconnect
• Alternative Data
• Custom NTC Score
• Verify ID
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Fraud
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Equifax Approach to Fraud Detection
Equifax approach to fraud detection would drive incremental fraud detection with reduced false positive rate. The approach
uses business rules along with the machine learning based predictive model in the detection phase. The score ranges from 100
to 500; 500 being highest probability of fraud
Data Rules Predictive Modeling

Ready to use set of highly Powerful fraud prediction at
predictive rules application
Velocity Rules: Analytical Modeling:

Suspicious number of applications from
Best in class model trained
same applicant/ID/address
on highly predictive rules
Inconsistency Rules: with ML capability
Conflicting information on
application
Gradient Boosting
Data Sources from Equifax: Filtering Rules: technique applied
Bureau data Pattern of changes in ID, address,
contact information etc Model PD & KS analyzed
Model finalized
Industry accepted surrogate definition of fraud used for analysis
PROPRIETARY | 9
Document Verification
Solution will help you protect your businesses against fraud by using machine learning technology to validate a users identity
document and compare it with their facial biometrics
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Fraud Check with Email
How it works
Predictive Risk Analytics

Inputs used • Customized for your company
• Patterns, behaviors and trends
Use Cases
• New Application & Account Opening for both Assets & Liabilities
• Account Maintenance
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Alternate Data
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Verification Suite –360º view of the customer
Fraud Check through

ID Verification
Email
06 01
Solution for SME 05 360º view of

02 Address Verification
the customer
GST Authentication Income Verification
04 03
PROPRIETARY | 13
Thank You
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Copyright © 2019 Equifax Inc. All Rights Reserved. Equifax is a registered trademark of Equifax Inc.

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Equifax Products and Services

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Available Formats

Equifax Products and Services

Powered by bureau and analytics

To be the global leader in information Equifax Maintains Data, Worldwide, on

30M+ 1.5 Bn+ 500 M+ 5500+

Prospecting – Macro and Micro Customer Demographic - Prefill

Data Rules Predictive Modeling

Velocity Rules: Analytical Modeling:

Predictive Risk Analytics

Fraud Check through

Solution for SME 05 360º view of

GST Authentication Income Verification

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