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Assessment time
Applications can be slow to assess and hard to compare consistently.
Credit workflow and decision-support platform
Digitise the credit lifecycle and make more consistent, traceable and manageable decisions.
CASE CreditScore helps lending institutions structure credit assessment, adapt the application to their credit policy, leverage historical data, assess risk, trace decisions and monitor the portfolio through repayment.
✓ Multi-institutions✓ Multi-agences✓ Multi-pays✓ FR / EN✓ Institution-specific model
Standardised assessmentConfigurable application
Traceable decisionCommittees & quorum
Tailored scoringPD · AUC · Shadow
Portfolio monitoringDPD · PAR · default
Path to production
1Historical data
2CASE-AFRIQUE candidate model
3Pilot / Shadow mode
4Institutional validation
5Operational scoring
AUCStatistical validation
PAR / DPDPortfolio monitoring
AuditTraceability
Why CASE CreditScore?
Common challenges in credit assessment and monitoring
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Inconsistency
Practices may vary by officer, branch or product.
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Underused data
Years of loan history may remain underused for learning from observed risk.
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Risk monitoring
Need to monitor repayments, arrears, defaults, PAR and model performance.
The solution
One platform. Your credit policy remains the reference.
CASE CreditScore combines assessment, field visits, historical data, credit-bureau data, financial analysis, scoring, human decision-making, disbursement, cash operations, repayments and reporting in a secure multi-institution environment.
- Institution-configurable credit application
- Institution-specific products, rates, tenors and rules
- Configurable committees, thresholds, quorum and decisions
- DPD, PAR and default monitoring under your rules
Governance principle
The model informs. Your institution decides.
CASE-AFRIQUE builds and statistically validates the model. Your institution tests its use under real conditions, reviews performance and retains the final decision under its credit policy.
CANDIDATE→PROPOSED→PILOT_TEST→INSTITUTION_VALIDATED→ACTIVE
Before / with CASE CreditScore
A process transformation, not just a score
Fragmented process
- Inconsistent forms
- Manual calculations and hard-to-compare assessments
- Scattered decisions and minutes
- Limited integrated repayment monitoring
Structured process
- Digitised, configurable application
- Documented financial analysis and scoring
- Traceable committees, quorum and decisions
- Tracked disbursement, payments, DPD and PAR
How does it work?
From first contact to portfolio monitoring
Simulation & application
Optional credit simulation, configurable application and client preloading.
Field verification
Credit officer field visit and independent Risk & Compliance counter-visit when required.
Financial analysis & BIC
Repayment capacity, consistency checks, collateral and credit-bureau information.
Scoring
Probability of default, risk band, model version and traceability.
Decision
Routing to the competent committee, sessions, attendance, quorum and collective decision.
Disbursement
Pre-disbursement control, branch approval and cashier execution.
Repayments
Schedules, collections, partial payments, arrears and DPD.
Portfolio & recalibration
PAR, defaults, reporting and observed outcomes feeding model review.
Features
The full credit-risk lifecycle
🧮 Pre-application simulation
Amount, tenor, rate and instalment scenarios before application creation.
👥 Configurable application
Core and additional fields adapted to the institution, product and client type.
📍 Field visits
Initial credit-officer visit and independent Risk & Compliance counter-visit.
🏦 BIC / Credit Bureau
Credit-bureau report, extraction, validation and indicators integrated into the application.
🧠 Institution-specific model
Model built from the institution's own data when maturity allows.
🧪 Shadow mode
Parallel testing before operational activation.
📈 Scoring
Probability of default, risk band, model version and traceability.
🧾 Committees & decision
Configurable committees, thresholds, quorum, collective decision and conditions.
💳 Cash & repayments
Disbursement, collections, receipts, schedules and partial payments.
📊 DPD, PAR & reporting
Officer-, branch- and institution-level monitoring, arrears, defaults and reporting.
🔌 Integrations
CSV/XLSX import, API, webhooks and readiness for core/MIS integrations.
🌍 International
Countries, currencies, timezones, compliance and FR/EN.
Separation of duties
Each role gets the right level of responsibility
Credit officer
Simulation, application preparation, field visit and monitoring of own credits.
Branch manager
Branch review, pre-disbursement approval and branch monitoring.
RRC / Risk
Independent control, counter-visit and risk review.
Committee
Review, quorum, deliberation and collective decision.
Cashier
Disbursement after approval and repayment collection.
Management
Consolidated view, portfolio, branches and reporting.
Security & governance
Designed for controlled, progressive adoption
Institution-level data isolation, role- and branch-based access, HTTPS, audit trails, traceability of sensitive actions and separation between model development and operational decision-making.
Multi-institution isolation
Role/branch access
HTTPSAuditTraceability
CASE CreditScore can complement your existing core/MIS.
Deployment can start with CSV/XLSX imports and later evolve to API, webhooks or file-based integrations depending on your system capabilities.
Commercial packages
Start with a pilot tailored to your institution
Final pricing depends on the number of branches, historical-data volume, level of customisation, integrations and support required.
Discovery
From
1 450 000 XOF
Diagnostic, setup, limited data intake, pilot access and exploratory model for institutions with 1 to 3 branches.
Indicative scope: 1 to 3 branches
Request a pilot
Recommended
Professional
From
2 300 000 XOF
Full pilot, institution-specific model, shadow test, full workflow, training and enhanced validation.
Request a pilotAdvanced
From
2 700 000 XOF
Multi-branch networks, larger volumes, complex data, integrations and enhanced support.
Request a proposalCompare pilot packages
| Scope | Discovery | Professional | Advanced |
|---|---|---|---|
| Diagnostic & scoping | ✓ | ✓ | ✓ |
| Institution setup | ✓ | ✓ | ✓ |
| Historical data intake | Limited | Extended | Extended |
| Institution-specific model | Exploratory | ✓ | ✓ |
| Shadow mode | — | ✓ | ✓ |
| Committee / decision workflow | Standard | Full | Full |
| Field visits / risk counter-visit | — | ✓ | ✓ |
| Disbursement & cash operations | — | ✓ | ✓ |
| Portfolio reporting | Basic | Full | Full |
| API / core-MIS integrations | — | Optional | Priority |
| Support level | Standard | Enhanced | Dedicated |
Pilot pricing :
amounts are reference starting points. A final proposal is prepared after scoping branches, products, historical data, integrations and support requirements.
Subscription after pilot
Essential175 000 XOF / month
Up to 2 branches / 10 users
Professional325 000 XOF / month
Up to 10 branches / 40 users
Premium495 000 XOF / month
Up to 30 branches / 100 users
EnterpriseCustom quote
Networks, groups and specific requirements
Recurring subscription starts after the pilot is closed and the institution decides to continue.
FAQ
Frequently asked questions
Does CASE CreditScore automatically approve credit?
No. The score supports decision-making; the final decision remains human and follows the institution's credit policy.
Can the credit application be adapted to our institution?
Yes. Additional fields, certain mandatory requirements, products and rules can be configured per institution.
Do we need to replace our core/MIS?
Not necessarily. CASE CreditScore can complement the existing system, starting with imports and progressing to integrations as capabilities allow.
Is the model the same for every institution?
No. CASE-AFRIQUE proposes a model tailored to each institution's data when the data are sufficiently mature.
Can the model be tested before use?
Yes. Shadow mode tests the model without imposing the operational credit decision.
Can committee rules be configured?
Yes. Committees, thresholds, quorum and routing can be adapted to the institution's credit policy.
Is pilot pricing fixed?
Displayed amounts are starting points. Final pricing depends on scope, data, branches, integrations and support.
Ready to discover CASE CreditScore?