PhiMo.ai
Welcome to PhiMo.ai, We are an Artificial Intelligence and Machine Learning consultancy that specialises in Finance applications. Our Team helps you to get the most out of your data assets, powered by the latest AI techniques.
Services
Exceeding Your Expectations
AI-based Credit Risk Model Development
Increase Approval Rates
We work with our clients to develop AI-based credit risk models using Bank Statement data. AI-based models using Bank Statement data have been proven to significantly out-perform generic Bureau scores and traditional logistic regression scores allowing our clients to approve more applicants without increasing bad debt. Get in touch to learn more about how this service can help you.
Credit Limit Assignment
Reduce Bad Debts
Once your credit scorecard is in place we can use our experience and analytical skills to advise you on how best to implement credit limits to ensure that you are lending the right amount to the right customers to increase your approval rate without impacting bad debt.
Collections Behavioural Scoring
Optimise Collections Treatment
Looking to optimise your collections treatment process, so that you are contacting the right person at the right time with the appropriate treatment?  Let us guide you. We have over 10 years of experience developing behavioural scoring models and their associated strategies in a high-volume collections environment.
Credit Risk Consulting
Maximise Margins
We have many years of experience consulting on credit risk to start-ups and established blue-chip companies in Australia and New Zealand. Not only do we understand the analytics, but we also understand how best to implement the strategies to ensure they are successful in the long-term. Get in touch to learn more about how this service can help you.
