4. Turning Insights into Money (BusinessImpact™)

Once you’ve mapped your portfolio with RiskInsights™ and identified the medium-risk sweet spots, the high-income underutilization, and the SIMAH misses, the next question is simple: How much is it worth?

For one recent client, the answer was 87,935,000 SAR in safe, recoverable lending sitting inside their existing applicant pool. That number came from applying our three offer tracks — AutoGreen™, FlexTier™, and SmartRescue™ — in the right proportion to the right applicants.

And while the exact figures will differ for each lender, the process is the same: you move from insight to ROI by turning decision patterns into measurable, explainable approvals.

Step 1 – AutoGreen™: Capture the “Sure Bets” Instantly

AutoGreen™ is the express lane for low-risk applicants. These are the clean, stable profiles you would approve 100% of the time — if you could spot them instantly and process them without human intervention.

With AutoGreen™, we set hard, data-backed thresholds (score + stability factors) so these applicants skip manual review entirely. They get an immediate “yes” with the right limits and rates, and you get instant revenue without adding underwriting workload.

For our example client, 377 applications fit this profile, representing 11,310,000 SAR in fast-track lending. That’s money you can recognize almost immediately, because it’s safe, low-risk, and already sitting in your funnel.

Step 2 – FlexTier™: Monetize the Medium-Risk Majority

FlexTier™ addresses the 60%+ of applicants stuck in manual review. These aren’t obvious approvals or clear declines — they’re the cases where rigid rules block revenue.

Instead of rejecting them outright, FlexTier™ matches them to smaller, safer, and more structured offers: capped limits, shorter terms, slightly higher prices, or added guardrails. This tiering approach means you can convert them into profitable business without compromising portfolio health.

In our client case, 2,422 applications fell into this zone, unlocking 72,600,000 SAR in potential revenue. That’s the difference between treating “medium-risk” as a holding pen and treating it as a structured conversion opportunity.

Step 3 – SmartRescue™: Recover Value from High-Risk Profiles

Some applicants are simply too risky for unsecured credit today — but that doesn’t mean they should be a lost cause.

SmartRescue™ reroutes these cases to zero-credit-risk products like prepaid cards or secured offers. It keeps the relationship alive, generates immediate margin, and creates a pathway back to credit once the applicant’s risk profile improves.

In the example portfolio, 805 rejected applications were suitable for this track, representing 4,025,000 SAR in safe fallback monetization. That’s money most lenders write off entirely — we recover it.

The Combined Impact

When you layer AutoGreen™, FlexTier™, and SmartRescue™ together, you turn static reports into a live, segmented decision engine.

For the example client:

AutoGreen™: 377 approvals → 11.31M SAR
FlexTier™: 2,422 conversions → 72.6M SAR
SmartRescue™: 805 reroutes → 4.025M SAR

Total: 87.935M SAR unlocked from the same applicant pool — without acquiring a single new lead.

Why It Works

Speed: The safe approvals are captured instantly.
Structure: Medium-risk is tiered into terms they can afford and you can manage.
Recovery: High-risk is monetized without credit exposure.

This approach transforms your portfolio from a flat approval/rejection binary into a dynamic, multi-lane system that captures value at every risk level.

Your Number Will Be Different — and That’s the Point

Every lender’s mix of risk bands, product appetite, and portfolio goals is unique. The 87.9M SAR example above is just one story — your outcome will reflect your book. The key takeaway is that with BusinessImpact™, you’ll have the data, the segmentation, and the product-fit logic to measure that number before you make a single change.

Once you see it, you can act on it — with confidence, speed, and full explainability.

Coming Next:

5. Zoom In: What This Looks Like Per Applicant (CreditUplift™)

where we take this portfolio-wide logic and show you the decision patterns at the individual applicant level, case by case, so you can see exactly why each decision was made and what it’s worth