Each borrower that applies for a loan to our loan originators is going through an in-depth credit risk scoring procedure to receive the loan. Only the loans that have gone through this credit scoring procedure are being sent to Hive5 investment platform.
Our Loan originator "Ekspres Pozyczka" issues loans for clients who meet selected criteria. The basic criteria for clients are: clients must be over 21 years old Polish citizens with a constant income source. Additionally, "Ekspres Pozyczka" implemented a scoring model by the external company. The model includes a borrower's credit history, bank account history, age and other factors.
"Ekspres Pozyczka" strongly focuses on big data analysis and uses the advanced and most innovative self-learning platform, "Self-learning solutions”, for effective risk management.