Loan classification by the risk of default (NPL 30, 60, 90, 120+)
The companies of the IT Smart Finance holding use scoring models to determine the quality of borrowers.
All approved loans are appropriately classified and sorted out according to the investment strategies.
Once a month the Risk Committee analyses and adjusts the process of loan classification assignment.
The Flexible Investment product
provides three investment strategies
Each investment strategy automatically selects the appropriate type of loan risk. Each strategy can include up to 3 types of NPL, which allows to get the declared income and to ensure the corresponding risk requirements.