Product

FICO Resilience Index cloud

A new analytic tool to help capture consumer credit risk linked to unexpected economic stress
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Product Overview

More precisely predict a borrower’s resilience to potential future economic disruptions with FICO® Resilience Index. Designed to rank-order consumers with respect to their resilience or sensitivity to an economic downturn.

FICO® Resilience Index answers questions like, “Which ‘680s’ are more likely to go bad when financial stress is exerted on a consumer population?” giving lenders a new tool to use and helping avoid taking large measures that impact more “resilient” consumers unnecessarily.
Product Evolution

Better Decisioning and Portfolio Management

FICO® Resilience Index can be used by lenders as another input in credit decisions and account strategies and can be delivered with a credit file, just like a FICO Score. It is scaled from 1 to 99 (with higher values for higher sensitivity to financial stress) and delivered with up to five reason codes to help lenders better understand the output. FICO Resilience Index may be used with a FICO score or to generate an adjusted FICO Score with factors tuned to the lender's economic forecasts.

Key Benefits

Better Prepare for Downturn Cycles

Access insights into consumer resilience under economic stress.

Assess Loan Portfolio Vulernability

Evaluate the quality and resiliency of portfolios at any point in an economic cycle.

Refine Credit Marketing and Origination

Offer more favorable terms to attract consumers resilient to financial stress.
 

Improve Stress Testing Outcomes

Improve capital coverage in scenarios required for regulatory stress tests. 
 

Better Estimate Loss Allowances

Look for hidden risks & basis for adjusting future losses under a range of scenarios.

Integrate Easily with Existing FICO Score Processes

Simultaneous pull the FICO Score with existing batch and online processes.

Related Resources

Product Sheet
399 KB
Product Sheet
FICO Resilience Index
White Paper
869 KB
White Paper
Changing the Personal Loan Game With Alternative Data and Analytics
Product Sheet White Paper

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