DATA OPTIMIZATION
Optimize underwriting with data-driven precision
Maximize performance by using a combination of data-driven insights and your employees’ expertise. Stratyfy analyzes historical trends in your data to pinpoint ideal underwriting thresholds and allows you to simulate strategy changes to forecast the impact on your portfolio.
GROWTH AND EFFICIENCY
Accelerate capital deployment with automation
Identify qualified borrowers traditional methods miss and automate routine approvals so your team can focus on complex cases. Stratyfy aligns credit strategies with business objectives to increase approval speed, lower risk, and deploy capital faster.
GOVERNANCE AND CONTROL
The transparency your examiners, borrowers, and board require
Replace hidden logic with a system designed for clarity from the start. Every decision is fully traceable and explainable, providing the documentation needed to satisfy regulatory requirements.
DATA PREPARATION
Getting started with
Stratyfy is easy
Move from messy raw files to model-ready datasets in minutes. Stratyfy automatically builds comprehensive data dictionaries and bulk-resolves errors for you. Once your data is ready, just select your target variable, and Stratyfy instantly reveals and ranks the most predictive features, eliminating the headache of manual validation.
Easily develop, deploy, and monitor decisioning strategies without writing a single line of code.
01
Historical data ingestion
Start by connecting your historical loan application and performance data.
02
Automated rule discovery
Machine learning automatically derives rules from your data.
03
Layer on human insights
Combine your team’s insights with data-driven findings to build optimized strategies.
04
Real-time decisioning
Use Stratyfy for decisioning or integrate with your existing decisioning engine.
05
Continuous learning
Monitor performance and quickly adapt your strategy as market conditions change.
CASE STUDY
Speed, Scale, and a 20% Boost in Qualified Approvals
BetterFi replaced manual hunches with Stratyfy’s data-driven thresholds to scale impact into new urban markets. By automating credit decisions, they’re out-competing predatory lenders with faster approvals and a healthier portfolio. BetterFi isn’t just growing; they’re setting a new standard for speed and fairness.
Data-Backed
Growth
“Stratyfy’s insights enabled and now substantiate our first steps expanding service into a less rural, more racially diverse geography. Even moving into a different consumer credit market, we have been able to execute on Stratyfy’s findings to increase approvals and help more people escape predatory payday loan debt traps.”
– Spike Hosch, Founder of BetterFi