Apercu LendingRisk fournit une evaluation de credit complete incluant le scoring de credit alternatif, la verification des revenus et l’analyse d’accessibilite financiere - concu pour les marches emergents ou les bureaux de credit traditionnels ont une couverture limitee.
Demarrage Rapide const assessment = await txcloud . lending . assess ({ applicant: { id: 'usr_abc123' , first_name: 'Mohammed' , last_name: 'El Amrani' , date_of_birth: '1990-05-15' , phone: '+212612345678' , national_id: 'AE123456' }, employment: { status: 'employed' , employer_name: 'Acme Corp' , monthly_income: 25000 , income_currency: 'MAD' }, loan_request: { amount: 100000 , currency: 'MAD' , term_months: 36 , purpose: 'personal' }, data_sources: [ 'bank_statements' , 'bureau' ] }); console . log ( 'Decision:' , assessment . decision . recommendation ); console . log ( 'Score de Credit:' , assessment . credit_score . score ); console . log ( 'Accessible:' , assessment . affordability . affordable );
Reponse d’Evaluation { "id" : "lra_a1b2c3d4e5f6" , "status" : "completed" , "decision" : { "recommendation" : "approve" , "confidence" : 0.87 , "max_approved_amount" : 100000 , "suggested_term_months" : 36 }, "credit_score" : { "score" : 720 , "grade" : "B+" , "percentile" : 75 , "factors" : { "positive" : [ "Emploi stable" , "Revenus reguliers" , "Faible endettement" ], "negative" : [ "Historique de credit limite" ] } }, "income_analysis" : { "stated_income" : 25000 , "verified_income" : 24500 , "income_match" : true , "income_stability" : "stable" }, "affordability" : { "monthly_income" : 24500 , "monthly_expenses" : 12000 , "existing_debt_payments" : 2500 , "proposed_payment" : 3200 , "remaining_after_loan" : 6800 , "affordable" : true , "dti_after" : 0.23 }, "pricing" : { "risk_tier" : "A" , "suggested_rate" : 12.5 , "rate_range" : { "min" : 11.0 , "max" : 14.0 } } }
Pre-Qualification Verification rapide avant l’evaluation complete :
const preQual = await txcloud . lending . prequalify ({ applicant_id: userId , monthly_income: 25000 , existing_monthly_debts: 2500 , loan_amount: 100000 , loan_term_months: 36 }); if ( preQual . likely_qualified ) { // Proceder a la demande complete showFullApplication (); } else { // Afficher des options alternatives showAlternatives ( preQual . estimated_max_amount ); }
Verification des Revenus Verifiez les revenus declares a partir des releves bancaires :
// Telecharger les releves bancaires const upload = await txcloud . lending . statements . upload ({ applicant_id: userId , documents: [{ type: 'bank_statement' , bank_name: 'Attijariwafa Bank' , file: statementBase64 , period_start: '2024-07-01' , period_end: '2024-12-31' }] }); // Obtenir les resultats d'analyse const insights = await txcloud . lending . statements . getInsights ( upload . id ); console . log ( 'Revenu Mensuel Moyen:' , insights . income . average_monthly ); console . log ( 'Stabilite des Revenus:' , insights . income . stability ); console . log ( 'Categories de Depenses:' , insights . expenses . by_category );
Insights des Releves { "income" : { "total" : 147000 , "average_monthly" : 24500 , "sources" : [ { "category" : "salary" , "amount" : 147000 , "percentage" : 100 } ], "trend" : "stable" }, "expenses" : { "total" : 72000 , "average_monthly" : 12000 , "by_category" : [ { "category" : "rent" , "amount" : 30000 , "percentage" : 42 }, { "category" : "utilities" , "amount" : 6000 , "percentage" : 8 }, { "category" : "groceries" , "amount" : 12000 , "percentage" : 17 } ] }, "debt_payments" : { "total" : 15000 , "monthly_average" : 2500 , "identified_loans" : [ { "lender" : "Credit Bank" , "type" : "car_loan" , "monthly_payment" : 2500 } ] }, "financial_health_score" : 78 , "red_flags" : [], "positive_indicators" : [ "Salaire regulier" , "Epargne saine" , "Pas de decouverts" ] }
Verification d’Accessibilite Evaluez si un pret est accessible :
const affordability = await txcloud . lending . affordability . check ({ applicant_id: userId , monthly_income: 24500 , monthly_expenses: 12000 , existing_debt_payments: 2500 , proposed_loan: { amount: 100000 , term_months: 36 , rate: 12.5 } }); console . log ( 'Accessible:' , affordability . affordable ); console . log ( 'Mensualite:' , affordability . monthly_payment ); console . log ( 'Ratio Endettement Apres Pret:' , affordability . ratios . dti_proposed ); // Test de stress console . log ( 'Toujours accessible a +2% de taux:' , affordability . stress_test . rate_increase_2pct . still_affordable );
Surveillance Continue Surveillez les emprunteurs pour les changements de risque :
// S'abonner a la surveillance await txcloud . lending . monitor . subscribe ({ borrower_id: userId , loan_id: loanId , alert_triggers: [ 'score_decrease_50' , 'missed_payment' , 'new_debt' , 'income_change' ], webhook_url: 'https://votreapp.com/webhooks/lending' }); // Vous recevrez des webhooks pour les alertes // Evenement: lending.monitor.alert
Grades de Score de Credit Grade Plage de Score Niveau de Risque A+ 800-850 Excellent A 750-799 Tres Bon B+ 700-749 Bon B 650-699 Correct C+ 600-649 En dessous de la moyenne C 550-599 Faible D 300-549 Tres Faible
Sources de Donnees LendingRisk peut utiliser plusieurs sources de donnees :
Source Donnees Fournies bank_statementsRevenus, depenses, flux de tresorerie bureauHistorique de credit (si disponible) telecomUtilisation airtime, patterns de recharge mobile_moneyHistorique des transactions employerVerification d’emploi
Plus de sources de donnees = evaluation plus precise. Utilisez les releves bancaires quand c’est possible.
Bonnes Pratiques
Commencez par la Pre-Qualification
Utilisez l’endpoint prequalify pour filtrer les candidats avant l’evaluation complete.
Demandez les Releves Bancaires
Les releves bancaires fournissent la verification de revenus la plus precise.
Considerez les Tests de Stress
Verifiez toujours si le pret reste accessible dans des scenarios de stress.
Surveillez les Prets Actifs
Mettez en place une surveillance pour une alerte precoce des changements de risque de l’emprunteur.
Prochaines Etapes 
