Credit Risk Modelling

The Paragon Modeller Platform

Experian South Africa is an authorised reseller and user of Modeller, Paragon Business Solutions’ advanced credit risk modelling platform. Through our partnership, we enable financial institutions to develop, validate and deploy high-performing scorecards and predictive models - combining proven statistical techniques, modern machine learning, and robust governance to deliver transparent, compliant and business-ready insights.

Key Features

End-to-End Model Development

From data import and transformation through to model build, validation and reporting - all in one platform.

Transparent & Explainable Models

Full visibility of model drivers, with clear audit trails and explainability embedded at every stage.

Advanced Modelling Techniques

Supports traditional scorecards (WoE, logistic regression) alongside machine learning methods such as decision trees, random forests and gradient boosting.

Intelligent Data Preparation

Automated grouping and variable transformation tools accelerate development while retaining expert control.

Automated Field Reduction

Automatically identifies and selects the most predictive variables by removing low-value and redundant fields - reducing noise, improving model performance and significantly accelerating development.

Integrated Reporting & Documentation

Generate comprehensive, regulator-ready documentation with minimal effort.

Seamless Deployment

Export models to SQL, Python, PMML and more for straightforward integration into existing systems.

AI-Enhanced Modelling

Modeller bridges traditional scorecard development and modern machine learning techniques.

Find out more about our Credit Risk Modelling Software: Paragon Modeller

AI-Enhanced Modelling (Explainable & Controlled)

Modeller bridges traditional scorecard development and modern machine learning techniques - enabling organisations to adopt advanced analytics in a controlled, transparent and production-ready way.

Machine Learning Support
Develop and benchmark models using a range of statistical and machine learning techniques to enhance predictive performance, alongside traditional scorecard approaches.
Explainability by Design
Maintain clear visibility of model drivers, assumptions and outputs – supporting regulatory expectations and internal governance requirements.
Human-in-the-Loop
Combine analytical capability with expert judgement, ensuring appropriate oversight, challenge and control throughout the model development lifecycle.
Controlled Adoption of Advanced Techniques
Incorporate more advanced methods where appropriate, within a structured and governed framework aligned to model risk management standards.
Open & Extensible Architecture
Integrates with Python and broader data science ecosystems, enabling teams to incorporate external models, tools and evolving analytical approaches.

Why Paragon Modeller?

Proven, industry-tested methodologies
Designed for credit risk teams, not just data scientists
Balances performance with governance and interpretability
Enables adoption of advanced analytics without sacrificing control
Supports internal model ownership and regulatory expectations

Typical Use Cases

Credit application scorecards
Behavioural scoring models
IFRS 9 / impairment modelling
Model redevelopment and challenger builds
Model risk management and validation suppor

Contact us for more information on Paragon Modeller

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