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
What types of data are supported?
Features of Thoth
- Monsoon’s Thoth lets you go from data upload to model download in 4-6 hours.
- Thoth’s extensive analytics suite allows you to slice and dice data right down to the last granule.
- Thoth is a no-code workbench meant for business users.
- Thoth allows users to build 15 different types of models e.g. Application Scorecards, Behavioral Scorecards, Collections Scorecards etc.
Value Created for Lenders
- Slashes the time taken to build predictive ML models from 2-4 weeks to 4-6 hours.
- Lets you out your hypotheses quickly (within hours) by building models and evaluating their performance on sub-sections of data.
- The user need not be a Data Scientist or a Technologist. Thoth Minimizes the need for specialist Data Scientists/ Data Analysts and cuts costs
- 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.
Behavioral Scorecards
Use Bureau data, transaction data and past repayment behavior to predict the risk of existing loans on book, enabling timely intervention.
Collection scorecards
Use bureau data, past repayment data and responses to collection efforts to predict which customers will miss the next payment.
Pricing Models
Risk based pricing models enable you to price loans (interest rates, LTV, tenures on the basis of customer risk) and pricing power.
Cross Sell scorecards
Customer Attrition Models
pre-approval models
Help raise book-size with minimal risk by pre-approving customers from liability base for asset side products
Early Warning Models
Similar to behavioral scorecards but also account for infant-delinquency i.e. delinquency within the first 1-2 months of disbursal.