Our Services
Build.
Design and test the foundations for better lending.
Prototyping & MVP Execution
Test, validate, and refine new credit ideas with fast, focused MVP builds.
When you need evidence before scale, we move quickly. We design and run real-world MVPs to test hypotheses and de-risk innovation.
Credit Scoring & Risk Modelling
Build intelligent, data-driven credit scores using real-world behaviour, not just traditional financials.
We develop modern credit scoring tools for SMEs, retailers, or platform users. Our models are transparent, thoroughly tested, and tailored to your context.
Embedded Lending Strategy & Design
Design and test lending products that embed credit directly into transactions and platforms.
We help lenders bring credit closer to commerce — from invoice and inventory finance to agent float and consumer lending.
Run.
Operate smarter, leaner, and more insightfully.
Fractional Data Science Support
Ongoing portfolio analysis and AI insights to support smarter credit conversations at the top.
Factfin acts as a fractional data science partner — helping CROs and risk leads monitor portfolio performance, explain trends, and surface issues early.
Data Strategy & Analytics
Turn complex or untapped data into actionable insights with scalable, production-ready analytics.
Working in your environment, we clean, transform and structure raw or underutilised datasets into analytics assets.
Monitoring, Reporting & Model Governance
Ensure your credit models stay smart, fair, and compliant with robust monitoring and governance.
We provide independent monitoring, bias testing, and governance frameworks for scoring models and lending programs.
Scale.
Accelerate growth through smarter decisions and scalable infrastructure.
Scorecard Optimisation & Governance
Smarter scores, stronger decisions.
We review and refine credit scorecards to improve predictive accuracy, fairness, and operational fit.
Portfolio Segmentation & Strategy
Turn complexity into clarity.
We use advanced analytics to segment your portfolio and uncover actionable insights that drive differentiated pricing, risk, and collections strategies.
AI-Powered Decision Automation
Make better calls, faster.
We design and deploy AI-driven models and decision engines to automate complex credit workflows. Whether it's instant approvals or smart limits, we balance automation with control and transparency.