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Score Card is part of Business Analytics services. We develop various types of score cards which help you to get appropriate customer insight. This helps you to design your customer follow-up and contact strategy to ensure that your efforts are not wasted and you are able to improve the productivity of your team.

Risk Score Card: Risk score card helps you to drive the risk score of the customer and help your decide if your should risk your money with this customer. These score cards are used for taking decision while you are offering credits to your customers.

Collection Score Card: Collection Score Cards helps you to drive the propensity to pay for a customer. Based on the propensity to pay you can decide how to allocate your collection efforts. If you are a bank and follow the NPA buckets you can have early bucket and late bucket score card. Early bucket score card will help you to stop customer moving to later bucket. Late bucket score card will help you to identify the customer who with some collection efforts can be moved to earlier buckets.

Cross Sell/Up Sell Score Cards: These score cards help you to identify the customers which you should target to sell various other products which you want to sell. This score card determine the cross sell / up sell propensity of the customer.

ATS Services helps its customer in developing various score card which suits their business.

Speak with our Business Analysts to know more about this.

Case Studies

  • To build collection infrastructure for a Private Bank

    Business Requirement: One of the largest Private Banks approached us to work with them in designing and implementing an efficient collection infrastructure for their existing retail loans. Once implemented, the Bank wanted to move into retail lending with more products and in a more aggressive manner.

  • Forecasting losses aided better management and recovery

    Business Requirement: Our client, a mid-sized Private Bank was incurring high credit losses in their loan portfolio. The management was unable to predict the monthly loss run rate and ascertain which segments within the overall portfolio were likely to contribute to disproportionately higher losses.



  • We started working with ATS Services in the year 2003. ATS Services worked with the SBI cards team to pioneer an industry leading online verification process that became the bedrock of our expansion and growth plans. During the course of engagement we launched many products and initiated many processes at ATS Services. The company maintained the consistency in results that was appreciated and acknowledged all throughout the region. The ...

    Paramdeep Singh
    Vice President
    Insurance, SBI Cards
  • We have worked on two projects with ATS Services in our technology area. The first consulting assignment comprised of an evaluation of our core system requirements and recommending the best system based on our need. A joint team of ATS Services and our employees developed an RFP, responses were reviewed and detailed technical and commercial discussions were held with the three most competitive quotes. ATS Services worked with us on clos...

    Sharad Agarwal
    Chief Technology Officer
    Religare Finvest
  • Our association with ATS Services goes back many years. Soon after we commenced business, we invited ATS Services to work with us to select and purchase an appropriate Loan system for our needs. ATS Services brought in the technical expertise and experience to assess available Loan Systems and identify the key functionality that we required. They worked with us to design an appropriate RFP, which was circulated to the top three loan sy...

    Kavi Arora
    Managing Director & CEO
    Religare Finvest Limited