Add new Credit Score Process
Credit score process explained
To add a new process go to Processes and click Add new process button.
Select "Create a Credit Score Process".
Choose a name for the new process.
Now you see the spektr process builder. Here you can create and edit processes.
To start, link a data set or link an existing process. For this click on the Process Settings step you see in the middle.
Link to existing data set
If you want to link an existing data set as the starting point of the Customer Score process, select the data set from the ones you see.
You can also Add filtering rule, setting a custom filter on the chosen data set before using it in the Customer Score process.
Link to existing process
If you want to use an existing process as the starting point of the Customer Score process, click Link existing process and choose a process from the dropdown menu on the left.
Next, choose the outcome of the process you want to use as a starting point.
Next, you can choose what you want to add to your process.
Steps
In the Steps tab, you can choose between all available process steps.
Click on a step to add it to the process.
Please note, that you cannot change the initial step later on.
Please note, that you cannot change the order of steps later on.
Here you can find detailed explanations for all available step types
Services
Click on a service to add it to the process.
Here is an overview of all available service types:
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ComplyAdvantage
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OpenCorporates
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Kyckr
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Slack
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Bolagsverket
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Dun & Bradstreet
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Veriff
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Veriff Upload
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Virk
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Moody's
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Document OCR
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LicenceAI
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Website Checker
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BankID
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MitID
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Scrive
ComplyAdvantage
OpenCorporates
Kyckr
Slack
Bolagsverket
Dun & Bradstreet
Veriff
Veriff Upload
Virk
Moody's
Document OCR
LicenceAI
Website Checker
BankID
MitID
Scrive
Actions
Credit Score Process explained
A new credit score process will function like the existing Risk and Value Score process, allowing for the return of both risk and credit scores, which can be accessed downstream by onboarding professionals.
The returning process step can return a risk score and a credit score so, for example, an onboarding process could have two returning process steps and both scores could be accessed downstream the process.
How it works
Within a process, Score are accumulated through calculation nodes.
The calculation nodes set the Risk Score.
Across all the processes, the score is kept individually per process run.
The score is not accumulated at client record level.
What you will see is the latest score shown in the header. This means that the score at client record level is overwritten each time a new score is calculated.
Due to process isolation, the data integrity is ensured and prevents unintended score mixing.
Please note:
Different processes have different scores, and there can be different scores in the same process if there is a returning process node, for instance.
An example
For a calculation node it is possible to create score and processType_score for risk, questionnaire and credit. This means that when 2 calculation nodes are created, in the second node you will have the score twice: Score and processType_score (for example the risk_score).