Reducing loss rates for a global auto lender while automating credit underwriting

“Strategic partner for facilitating the development and implementation of a risk underwriting model for commercial and personal auto finance”

Toyota Financial Services is a wholly-owned subsidiary of Toyota Motor Corporation(TMC) Japan which delivers financial products, services or experiences through innovation, business transformation and new technology.


  • Sharp spike in loss rates particularly in the “cab driver” segment
  • The dual challenge of enhancing the level of automation while lowering loss rates


  • A set of segmented acquisition risk models based on statistical learning
  • policy analysis framework to create overrides and automated rules on top of models
  • Support the technology team in creating a new workflow engine


  • Almost 70% automated underwriting
  • Projected reduction in loss rates (60 DPD) by 1.5% – 3%