Results & Impact
Take a closer look at the numbers that shape our design system. See the impact for yourself!
Drop in non-performing loans within 6 months
Faster loan approvals with AI underwriting
Better credit scoring accuracy
Improvement in early risk detection
Building a Real-Time Loan Default Prediction System for Smarter Lending
FinNova Capital needed a faster, more reliable way to predict lending risks. A custom loan default prediction software instantly assessed borrower risk using financial and behavioral data, replacing manual processes with a real-time loan default prediction system.
The Risk of Relying on Manual Assessments in Modern Lending
FinNova Capital struggled with high-risk lending due to slow manual assessments and no real-time borrower insights. Loan default rates crossed 25%, driven by delayed decisions and the lack of early risk detection.
Designing a Predictive Analytics Solution to Control Loan Defaults
Smart, real-time risk evaluation became key to helping FinNova Capital control loan defaults at scale. Kody Technolab built SmartRisk AI, a predictive analytics solution that uses historical and real-time data to instantly assess loan application risk.
Technologies Stack
Take a closer look at the numbers that shape our design system. See the impact for yourself!
Languages
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Python
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Angular
Cloud & Hosting
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S3
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EC2
Framework
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Scikit-learn
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XGBoost
Database
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SQL
Loan Default Prediction Software Design
Here’s a brief overview of the Loan Default Prediction Software we built and delivered for FinNova Capital.
Key Features of
FinNova Capital’s AI-Driven Loan Default Prediction Platform
What they said is all mater to us!
James C. McDuffie
CEO
Kody Technolab built a robust predictive analytics solution, SmartRisk AI, tailored to FinNova’s needs. This AI-driven platform leverages historical and real-time data to assess the risk of each loan application instantly.
Our Process to
Build FinNova Capital’s Loan Default Prediction Platform
1 - Data Audit & Collection
Consolidated three years of lending data and added alternative sources like social profiles and spending behavior for deeper risk insights.
2 - Model Development
Trained Random Forest & Logistic Regression models, applying feature engineering and risk factor analysis to boost prediction accuracy.
3 - System Integration
Integrated the Loan Default Prediction System with FinNova’s CRM and loan origination platforms, deployed on AWS for real-time scalability.
4 - Testing & Optimization
Enabled live feedback loops for continuous model improvement and monitored borrower segments to refine system performance.
The Experts Who Built FinNova Capital’s SmartRisk AI Platform
This project was brought to life by a dedicated cross-functional team at Kody Technolab.
Project Manager
Led project execution, client communication, and delivery timelines.
Cloud Architects
Deployed scalable cloud infrastructure using AWS services.
Software Engineers
Developed APIs and integrated SmartRisk AI into existing systems.
Data Scientists
Designed, built, and trained predictive machine learning models.
QA Engineers
Conducted continuous testing to ensure system reliability and model accuracy.
UI/UX Designers
Created intuitive dashboards for enhanced risk visibility and user insights.
FinNova Capital
Protect your lending portfolio with real-time risk prediction
With Kody Technolab’s predictive analytics expertise, you can lower defaults, approve smarter, and manage lending risk in real-time.
Accelerate decision-making with scalable intelligence built for real-world outcomes.
Connect with usLet's Grow and Get Famous Together.
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INDIA
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