Harmoney 和 DataRobot 推动澳大利亚个人贷款市场的创新
公司规模
SME
地区
- Pacific
国家
- Australia
- New Zealand
产品
- DataRobot
技术栈
- Machine Learning
实施规模
- Enterprise-wide Deployment
影响指标
- Customer Satisfaction
- Revenue Growth
技术
- 分析与建模 - 机器学习
适用行业
- 金融与保险
适用功能
- 商业运营
- 销售与市场营销
用例
- 欺诈识别
服务
- 数据科学服务
关于客户
Harmoney 是澳大利亚领先的市场贷款机构，挑战大型银行在个人贷款市场的主导地位。该公司运营一个平台，无需金融中介即可将借款人与贷款人进行匹配，旨在提高市场效率。Harmoney 约 60% 的员工是工程和数据科学专业人士，该公司可以被视为一家科技公司。该公司在竞争激烈的市场中运营，个人贷款约占银行资产负债表的 4%，同时产生约 16% 的净利润。
挑战
Harmoney 是澳大利亚的一个市场借贷平台，它面临着跟上不断创新的步伐以保持领先于大银行的挑战。该公司由数据科学家组成的小型团队负责开发和部署机器学习模型，以提高个人贷款市场的效率。然而，由于其他职责，该团队发现很难投入足够的时间进行预测分析。此外，他们用于建模的传统工具非常耗时，而且经常会分散他们改善业务的主要目标。
解决方案
Harmoney 求助于 DataRobot 来自动化机器学习模型的开发和部署。DataRobot 提供了一个支持模型开发和模型部署的单一集成环境，使数据科学和 IT 工程团队能够创建有效的模型并加速将其部署到运营系统中。机器学习的使用提高了信用风险评估的准确性，从而通过减少违约来提高盈利能力。此外，Harmoney 能够减少在信贷申请过程中向借款人提出的问题数量，从而加快决策过程并降低辍学率。
运营影响
数量效益
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