Cognilytics Auto Lending practitioners utilize the Cognilytics AVM™ model to direct the Big Data Tamers and Decision Scientists to deliver customized innovative yet monetize-able solutions to help manage your loan, lease, and dealer finance portfolios

Customer Lifecycle Analytics

Acquisitions and Underwriting	Portfolio Valuation and Analytics	Collections and Account Management
Applicant Risk scoring Credit Policy and automation Channel Management Pricing and segment performance management Incentive management	Portfolio Valuation, Forecasting, and Stress Testing Economic and Regulatory Capital Adequacy Loan Loss Provisioning and Scenario Based Forecasting Default and Severity (P(D), LGD, EAD) Modeling Collateral valuation, lease return rates and residual value risk management Dealer Credit scoring and performance management	Collections and Behavioral Scoring Champion/Challenger Design Collections Action Optimization Operational re-engineering and capacity planning Vendor and Agent Incentive Management

The Cognilytics AVM™ Model addresses key challenges faced by Auto Lending Institutions

Dealer Channel Management	Which dealers and geographies are most profitable? What are the drivers of dealer loyalty and lead conversion/fulfillment? How does Dealer experience enhance customer loyalty?
Credit Risk Management	What are the credit score trends across the portfolio by geography, loan, and key customer segments? How are the key early warning indicators trending? How is the macro economy impacting credit performance?
Collateral Management	How are the key supply and demand determinants of used values trending? How are the key auction markets and segments performing? How are return rates and resale values trending for lease portfolios?
Profitability Management	What are the key risk adjusted performance measure trends? Which segments are the most value add and value destroyers ? How can profitability levers be optimally leveraged ? How is the loss outlook impacting current and future profitability?