Leading Indian non-banking financial company, JFS, works with EFL to better understand borrower creditworthiness

In 2013, JFS engaged EFL to drive better credit data analytics. EFL’s psychometric scoring methodology demonstrated the ability to effectively measure credit risk among JFS’s borrowing clients. Encouraged by the results of the first year, JFS extended the partnership with a significant increase in EFL application volumes through 2016.

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* Default reduction refers to the impact of removing the bottom two quintiles of EFL scorers from the borrowing population