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How does the software work?

How does

the software work?

The core of the PARC platform is a rating model obtained through the application of state of the art data processing and selection, and optimisation of supervised automatic learning algorithms. It results from extensive work on source analysis and preparation, followed by numerous training, evaluation and parametric adjustment cycles on various algorithms. The result is a rating model that combines high precision, generalisation capacity and performance, enabling the assessment of default risk in credit approval. Designed for full integration with their current internal systems, Match Profiler's new credit risk analysis software allows financial institutions to have an efficient tool to assess the solvency of their clients and reduce potential default scenarios.

Which sectors is PARC aimed at?

Which sectors is

PARC aimed at?

  • Banks
  • Creditors
  • P2P Platforms
  • Insurance Companies
  • Leasing Companies
  • Telecommunications Companies
  • E-Commerce

We operate with all types of financing companies, from banks, P2P platforms, leasing companies, among others, with a common goal: to improve the credit portfolio, adjusting it to the risk profile of each company and thus optimise credit acceptance rates and respective repayments throughout the life cycle.

Instant credit decisions with optimised risk analysis

We are living in times when clients want quick and effective responses. This is the credit risk analysis software that will allow us to grant loans in a very short time, mitigating the risks associated with basic analysis models still commonly found in financial organisations.

PARC features for effective credit risk management

PARC features

for effective credit risk management

  • Credit rating
  • Default risk classification
  • Sensitivity analysis
  • Operations history search
  • Batch operations

PARC helps companies reduce financial risks while simplifying workflow and optimising resources. Credit processing time is reduced and exposure to risk controlled, thus ensuring the mitigation of borrower default.


João Cunha

Business Unit Manager (Innovation and Research & Development Department)

What are the benefits of using a credit risk assement software?

What are the benefits of using

a credit risk assement software?

Faster processing

With credit risk assessment software such as PARC, the credit allocation process becomes more efficient, as the analysis processes will be faster.

Reduced risk

The risk assessment process is analysed with greater rigour, thus preventing credit approval that could mean a high exposure to risk for the financial institution and a possible default scenario.

Reduced cost

By automating credit risk analysis with PARC, both the risk of human error and associated costs are reduced.

More confidence

The platform introduces a greater degree of trust between all those involved in the credit granting process by providing risk assessment in situations where credit was incipient or non-existent.

Compatibility with current systems

Software solution with fast integration into current systems. The solution is made available as an API REST with JSON messages. The endpoints allow individual or batch rating creation operations. The entire infrastructure resides on AWS, following the Well-Architected Framework standards which results in a serverless, high availability, high performance and secure solution.

Parametric analysis

The PARC rating model produces the probability of a loan going into default. This is the detection of a minority class. Studies show that the cost of misclassifying a bad credit as good is five times higher than the cost of classifying a good credit as bad. However, the platform allows the variation of parameters (amount, term and effort rate) to analyse the possibility of lowering the risk to acceptable levels, opening up the possibility of trading the loan.

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