Evaluation de Credit

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);

assessment = txcloud.lending.assess(
    applicant={
        "id": "usr_abc123",
        "first_name": "Mohammed",
        "last_name": "El Amrani",
        "date_of_birth": "1990-05-15",
        "phone": "+212612345678"
    },
    employment={
        "status": "employed",
        "monthly_income": 25000,
        "income_currency": "MAD"
    },
    loan_request={
        "amount": 100000,
        "term_months": 36,
        "purpose": "personal"
    }
)

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_statements`	Revenus, depenses, flux de tresorerie
`bureau`	Historique de credit (si disponible)
`telecom`	Utilisation airtime, patterns de recharge
`mobile_money`	Historique des transactions
`employer`	Verification 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.

Demarrage

Concepts Cles

Guides

SDKs

Ressources

Evaluation de Credit

Apercu

Demarrage Rapide

Reponse d’Evaluation

Pre-Qualification

Verification des Revenus

Insights des Releves

Verification d’Accessibilite

Surveillance Continue

Grades de Score de Credit

Sources de Donnees

Bonnes Pratiques

Prochaines Etapes

Verification d'Entreprise

Reference API

​Apercu

​Demarrage Rapide

​Reponse d’Evaluation

​Pre-Qualification

​Verification des Revenus

​Insights des Releves

​Verification d’Accessibilite

​Surveillance Continue

​Grades de Score de Credit

​Sources de Donnees

​Bonnes Pratiques

​Prochaines Etapes

Verification d'Entreprise

Reference API

Apercu

Demarrage Rapide

Reponse d’Evaluation

Pre-Qualification

Verification des Revenus

Insights des Releves

Verification d’Accessibilite

Surveillance Continue

Grades de Score de Credit

Sources de Donnees

Bonnes Pratiques

Prochaines Etapes