Metropol Launches Intelligent Analytics Tool for Smarter Credit Decisioning

Metropol has unveiled a new tool within its analytics platform, Metropol Analytics Platform (MAP), to help banks and other lenders manage their loans more easily. It has been designed to make life simpler for everyone involved in lending, from bank managers to loan officers.

The platform is like a control center for loans, where it pulls together all the important details that banks need to know, which used to be scattered across different systems.

Now, instead of digging through piles of data, lenders can see everything in one place—how much money is owed, who’s paying on time, and who’s falling behind.

One big problem banks have been facing is figuring out which borrowers might not pay back their loans. The old way of doing this often missed early signs of trouble. Metropol uses up-to-date information to sort borrowers into groups from low risk, medium risk, or high risk, with the new tool to help banks step in early if something looks off.

Following government rules is another headache for banks, considering the strict regulations to keep track of, and mistakes can cause big problems. This is now a thing of the past, where the tool takes care of this by automatically watching what’s needed and creating reports that fit what the regulators want to see. This cuts down on errors and makes audits less stressful.

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Not everyone in a bank needs the same information. A branch manager might want a big-picture view of a customer’s borrowing behaviour, while a relationship manager working directly with borrowers might need specific details.

This tool lets each person see what matters most to them. It’s flexible and can be adjusted to show exactly what they need, making their jobs easier.

Banks also offer different kinds of loans—like home loans or car loans—and it’s hard to tell which ones are doing well. The dashboard shows how each type of loan is performing and even compares it to what other banks are doing. This helps lenders decide where to put their efforts.

When someone stops paying their loan, banks have to figure out how to get that money back. That process used to involve a lot of manual work. Now, the dashboard keeps track of late payments and suggests the best ways to recover the money, saving time and effort.

Finally, banks have, for the longest, relied on tools which tell them what’s already happened. This dashboard goes further to predict what might happen next. It sends alerts if it spots trouble coming, giving banks a heads-up to act before things get worse.

For lenders, this means better decisions and fewer surprises, which is good news for them and their customers alike.