Plug&Score is credit scoring software for scorecard development, analytics, modeling, monitoring and validation. Plug&Score is expected to provide financial organizations with the easiest-to-use credit scorecard development tool to design and improve internal scorecards for all stages of the loan cycle from loan origination and customer management to debt collection and fraud detection.

1. Plug&Score
Helps you to build scorecards in-house
o Easy o One day to learn how to use
o Fast o Does many tasks automatically
o Affordable o ROI in less than a month

2. Why you need Plug&Score
o Credit decisions have the strongest impact to your profit!
o Keep them under total control with your in-house scorecards
(internal credit and customer ratings).
o Markets, competition and customers constantly change
these days, reducing your profits!
o Constantly monitor and improve your scorecards.
o Regulators require you to implement internal credit ratings!
o Be compliant with Basel II IRB approach.

3. What Plug&Score gives you
Your Credit Business GETS:
o More customers and decreased bad debt losses
o Fast and accurate credit decisions, efficient customer management
and debt collection actions
o All your customers are precisely rated - It’s better to count than to
guess
o Your historical data leveraged and turned into additional profit
o Your scorecards are developed in-house – with Plug&Score you take
full control and save money
As a User YOU GET:
o Extremely easy, clear and straightforward methodology of scorecard
development - embedded into Plug&Score
o Best practices included into pre-defined assisted workflows - you
don’t need to learn tons of books to build your scorecards

4. Value proposition
Software Category Universal data mining Predictive modeling Totally focused
and statistics software software, designed by Scorecard
(e.g. SAS) a credit bureau Development
(e.g. FICO) software -
Plug&Score
1-2 months 1-2 weeks 1-2 days
Learning time (scripting language knowledge (extensive scorecard (no pre-requisites)
required) development skills required)
From 10 mins to 1 hr 1-5 mins Immediately ready
Report creation time (formula definition required) (parameters definition and pre-defined
required)
2 weeks 2 weeks 1-5 days
(hundreds of dialog boxes, (dozens of dialog boxes, (3 intuitive screens and
Scorecard creation time cumbersome for everyday many specialized options to automated calculations)
work) select from)
Extensive statistics and data Extensive predictive Any analyst or manager
Staff requirements mining background required modeling background can use
required
Months or years for big Months or years for big One month for any
Return on Investment portfolios portfolios portfolio

5. 3 steps to get a precise scorecard
1 2
Variables
3
Scorecard
Selection Creation
1. Portfolio Analysis
o Historical data automatically divided into
parts for scorecard training and validation
o Easy visual portfolio data filtering, sorting
and re-assignment to “Good”, “Bad” and
“Indeterminate”
o Graphical representation of portfolio data
quality
o Easy column and records inclusion/exclusion
o Separate results for scorecard training and
out-of-sample validation subsets

6. 3 steps to get a precise scorecard
1
Portfolio
2 3
Scorecard
Analysis Creation
2. Variables Selection
o Graphical view of Goods and Bads for each
customer type (category of your portfolio)
o Bad Rate and Predictive Strength (WOE) for
each variable or portfolio category
o Optimal transformation of numeric variables
into categories (automatic binning)
o Visual comparison and adjustment of binning
o Separate views for scorecard training and
out-of-sample validation subsets

7. 3 steps to get a precise scorecard
1
Portfolio
2
Variables
3
Analysis Selection
3. Scorecard Creation
o Visual cut-off point and score bands definition
o Automatic scorecard adjustment for portfolio with
small amount of Bad customers
o Auto scorecard scaling for your business targets
defined in odds (e.g. Goods:Bads=100:1)
o Scorepoint range selection
o Gini, K-S, ROC and other the most proven
scorecard accuracy and performance graphs
o One-click Export to Excel, PDF and the most
widely-used graphical formats

8. Where to use Plug&Score?
Plug&Score is successfully used with:
Any type of retail Any phase in the loan
credit: cycle:
o Consumer credits
o Credit cards o Loan Origination
o Auto loans o Customer Accounts Management
o Mortgages o Debt Collection and Recovery
o SMEs o Fraud Detection & Prevention
o Micro-credits
o Pay-day loans
Application Collection Behavioral Fraud
Scoring Scoring Scoring Scoring

9. Which companies are using our software
Alyuda customers
o Bank of America – USA
o JPMorgan Chase – USA
o Wegelin & Co – Switzerland
o Citibank – USA
o TransUnion – USA
o CreditSights – USA
o Drax Securities - Greece
o Reuters – USA
o and many others…

10. Why Plug&Score?
Easy-to-use
o Only 3 steps to get a precise scorecard
o Designed for business users, not for statisticians
o Zero learning curve
You get the same solution for 1/5 the cost
o pay 10K and build as many scorecards as you
need, instead of constantly paying for consulting
(at least 50K per scorecard)
Quality
o Only proven scorecard building technologies
o Backed up by 9 years of scoring, predictive modeling
and software development experience
o Fully functional 30-day trial version

11. Contact us any time:
Phone: +1 (510) 931 7808
Email: sales@plug-n-score.com
Web: www.plug-n-score.com
Skype: plug.score