Integrated Business Systems has tools to model, characterize, and project the likelihood of default on a complete universe of loans and securities.

Among our financial analytics offerings, the Default Model projects the rates of loan delinquencies and defaults, the Euro balance lost each month due to defaulted loans and the loan populations across a range of delinquency cohorts. The Default Model implements a behavior-based approach to modelling economic activity and uses a metric based on time-independent attributes as an input to compress the dimensionality of the problem. The score captures the combined impact of several loan attributes recorded at origination and represents them in modeling default propensity.