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Monsoon

Thoth- A No-code ML Modeling and Advanced
Analytics Platform for the BFSI sector

Intuitive UI Wrapped Around Monsoon’s Powerful ML Pipelines

Data

Data Analysis

Modeling Strategy

Feature Engineering

Feature Selection

Modeling

Validation

Models
(Downloadable)

What types of data are supported?

Financial Data

Credit History

Bank Statements

Application data

Alternate Data

SMS data

Fastag Data

UPI data

GST Data

Steps for THOTH

Step – 1
Step – 2
Step – 3
Step – 4
A Business User with no coding experience uploads data to the Thoth platform.
The Business User uses a web-based GUI to choose from a range of options to build the type of model he/she wants.
The model is built and is ready for validation via the Thoth Validation Workbench( GUI) within 2-4 hours.
After iterations, the final model can be downloaded and deployed.

What types of data are supported?

Features of Thoth

  1. Monsoon’s Thoth lets you go from data upload to model download in 4-6 hours.
  1. Thoth’s extensive analytics suite allows you to slice and dice data right down to the last granule.
  1. Thoth is a no-code workbench meant for business users.
  1. Thoth allows users to build 15 different types of models e.g. Application Scorecards, Behavioral Scorecards, Collections Scorecards etc.

Value Created for Lenders

  1. Slashes the time taken to build predictive ML models from 2-4 weeks to 4-6 hours.
  1. Lets you out your hypotheses quickly (within hours) by building models and evaluating their performance on sub-sections of data.
  1. The user need not be a Data Scientist or a Technologist. Thoth Minimizes the need for specialist Data Scientists/ Data Analysts and cuts costs
  1. Thoth is the one-stop solution to all your modeling and analytics needs in the BFSI space

Key Models that can be built on Thoth

Application scorecards

Use data such as Bureau data, Banking data and/or alternate data to enable quick approval of safe loan applications and rejection of risky ones.

Reduce delinquency rates by up to 30% and increase approval rates by up to 25%.
Behavioral Scorecards

Use Bureau data, transaction data and past repayment behavior to predict the risk of existing loans on book, enabling timely intervention.

Reduce risk-cost by up to 35% and opens up cross-sell opportunities.
Collection scorecards

Use bureau data, past repayment data and responses to collection efforts to predict which customers will miss the next payment.

Enable the prioritization of collection-efforts & up to  40% reduction in collection costs.
Pricing Models

Risk based pricing models enable you to price loans (interest rates, LTV, tenures on the basis of customer risk) and pricing power.

Optimize ROI, tenures and other loan parameters on the basis of borrower risk.
Cross Sell scorecards
Leverage data available with the lender to predict which customers are likely to accept cross-sell offers & for which products.
Drive up to 35% more cross-sell revenue.
Customer Attrition Models
Predict which customers are likely to close their loan/deposit accounts, months before they actually do, enabling intervention.
Help reduce customer attrition by up to 24%.
pre-approval models

Help raise book-size with minimal risk by pre-approving customers from  liability base for asset side products

Help approve up to 35% of the base at minimal risk.
Early Warning Models

Similar to behavioral scorecards but also account for infant-delinquency i.e. delinquency within the first 1-2 months of disbursal.

Help cut risk-cost similar to behavioral scorecards.