CaSE STUDY: A Leading Digital Credit Provider in Latin America.

This fintech is a fast-growing regional lender operating in a highly competitive digital credit market. The company serves consumers seeking fast and convenient access to credit through a fully digital application journey.

INDUSTRY

Digital Lending / Consumer Finance

BUSINESS MODEL

100% Digital Credit Provider

REGION

Latin America and Central America

CUSTOMERS

Underserved, thin-file, mobile-first

PRODUCTS

Personal loans, short-term credit, consumer lending

CHANNEL

Mobile-first, fully digital application

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THE CHALLENGE

In its effort to scale its credit card portfolio responsibly, the client faced significant pressures on two distinct horizons of credit risk

problem 1

Short-term Instability

The portfolio was experiencing a 4.4% bad rate on First Payment Default (FPD30).

problem 2

Long-term Delinquency

Chronic risk was evident with a 12.3% bad rate on the 60+ 9MOB (9 months on book) target

problem 3

Under-optimized Accuracy

Existing risk models lacked the predictive depth required to differentiate risk profiles effectively across different stages of the customer lifecycle.

Why Incomplete Data Still Creates Growth Barriers for Lenders

To grow responsibly, lenders need a broader and more predictive view of applicant risk. Even with alternative data sources in play, many current models are still missing one critical layer: behavioural data that reveals true intent and repayment capacity.

Traditional Bureau Coverage

38%

Smartphone Penetration

73%

Credolab Scoreable Population

73%

Smartphone penetration vs. bureau coverage
LATAM consumer base

Smartphone Penetration by Country (%) Source: The Mobile Economy Latin America 2025 (GSMA Intelligence). 
Data Coverage Gap in Latin America Sources: Alternative Credit Scoring and Regional Data Coverage Gap Analysis (Credolab); The Global Findex Database 2025: Connectivity and Financial Inclusion in the Digital Economy (World Bank Group)

THE SOLUTION

Credolab Added a Behavioural Layer to the Existing Underwriting Stack.

STAGE 01

Acquisition

Mobile-first marketing
channels

STAGE 02

Onboarding

Identity, KYC, SDK init

STAGE 03 · CREDOLAB

Decisioning

Behavioural + bureau
scoring

STAGE 04

Disbursal

Loan booking & funding

STAGE 05

Servicing

Repayment & portfolio
monitoring

IMPLEMENTATION

Credolab was integrated into the client's decisioning workflow and delivered measurable
business impact within the first benchmarking cycle.

Historical data review

The client's existing portfolio and performance data were
analysed to establish a benchmark.

Signal generation

Credolab generated behavioural and device-based risk signals from applicant data.

Model validation

The enhanced model was tested against the client's current decisioning approach.

Cut-off optimisation

Approval strategies and score thresholds were refined to match risk appetite.

Deployment

The solution was integrated into production decisioning
flows.

PERFORMANCE DETAIL

Side-by-side comparison of bureau-only baseline vs. bureau plus Credolab on thesame population, same observation window.

Metric

Before

After

60+ 6 MOB Bad Rate

12.3%

9.5% (-22%)

FDP30 Bad Rate

4.4%

3.0% (-32%)

Approval Rate

27%

29% (+7%)

Higher profitability per approved loan

Smarter growth with controlled risk

Better use of acquisition spend

More confident automated decisions

Stronger portfolio resilience

Full coverage of mobile-first applicants

Case Study Sheet

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