3. Mapping the Opportunity (RiskInsights™)

The Missed Goldmine Hiding in Plain Sight

Most lenders have a portfolio filled with unrealized opportunities — applicants who are neither perfect “green” approvals nor obvious declines. The trouble is, without the right lens, these opportunities vanish into the noise of day-to-day operations.

Through RiskInsights™, we put your entire applicant base under a sharper lens. Our analysis often reveals a pattern we’ve seen across dozens of portfolios:

60% of applicants fall into the medium-risk band — stuck in manual review limbo, neither approved nor monetized.
High-income applicants get turned away due to rigid Debt Burden Ratio (DBR) or SIMAH thresholds, despite having the capacity to repay.
SIMAH misses: strong applicants wrongly rejected due to static scoring models that ignore fallback or adjusted offers.

What This Looks Like in Your Portfolio

Imagine running a heat map of your applicant base:

The green zones represent instant approvals.
The red zones are definite declines.
And then there’s the massive yellow zone — applicants with revenue potential, currently sitting idle in your pipeline.

We’ve seen portfolios where this yellow zone represents tens of millions of SAR in potential revenue annually. With RiskInsights™, we don’t just show you the numbers — we break them down into actionable segments. You’ll see which customers can be converted with smaller offers, adjusted terms, or fallback products, without adding to your risk exposure.

From Insight to Action

Data is only useful if it drives change. That’s why RiskInsights™ is more than a report — it’s a live, interactive breakdown your team can filter, segment, and act on immediately. You’ll know exactly:

Who falls into your high-potential medium-risk zone.
Which high-income applicants deserve a second look.
How to turn static SIMAH rejections into safe, profitable approvals.

The Takeaway

The lenders winning in today’s market are the ones who stop treating “medium-risk” as a holding pen and start treating it as a conversion opportunity. RiskInsights™ is how you see those opportunities clearly — and act on them with confidence.