Mareigua offers real-time analytical solutions that assess credit risk and identify lending opportunities by integrating traditional and non-traditional data. Their platform provides predictive insights into financial behavior and payment capacity, enabling financial institutions to make more agile and profitable credit decisions across the entire credit lifecycle.
Funding
Funding not disclosed
Founders
Product
Problem
Traditional credit risk assessment often overlooks real financial behavior and payment capacity due to reliance on historical data and limited non-traditional information sources. This can lead to missed opportunities for profitable lending and challenges in managing evolving economic conditions like increased independent work and informality.
Solution
Mareigua provides real-time analytical solutions designed to anticipate credit risks and identify opportunities across the entire credit lifecycle. Their platform leverages advanced analytics, integrating traditional and non-traditional data sources to assess actual financial behavior and payment capacity. This transforms raw information into agile, precise, and profitable decisions, enhancing existing credit strategies with predictive insights and high-accuracy forecasting. Mareigua's ecosystem of predictive models is designed to integrate seamlessly with clients' current systems, optimizing strategies and maximizing profitability.
Target Audience
Mareigua serves financial institutions, including banks and credit providers, seeking to enhance their credit origination, risk management, and collection processes through advanced data analytics.
Features
- Real-time analytical models for credit risk assessment and opportunity identification.
- Predictive scoring for unemployment risk, future income projection, and payment stability.
- Proprietary models such as Score de Desempleo, Score Ukan, Score de Mantenimiento, and Score Propensia.
- Integration capabilities via API for automated systems and batch processing through a web portal.
- Advanced analytics for evaluating both individual and corporate (PJ) creditworthiness.
- Data-driven insights for prospecting, origination, maintenance, and collection stages of the credit lifecycle.
- Ability to assess new market segments by moving beyond traditional credit history reliance.
- Tools for proactive risk management and optimized customer engagement strategies.