UC-035
Alternative Credit Scoring (ImpulsoCredit)
Scores drivers with no credit file using ride-hailing earnings and telematics-derived behaviour, with explainable, retained decisions.
TBDBuild Duration
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The Challenge
The lease-to-own arm serves underbanked drivers who lack conventional credit scores. Manual underwriting cannot scale with fleet growth or satisfy regulator explainability.
How It Works
- Reads 12 months of ride-hailing earnings and telematics-derived driving behaviour.
- Scores applicants with a gradient-boosted model and SHAP explanations per decision.
- Stores every decision for the retention period the financial regulator requires.
What It Removes
- Underbanked drivers turned away for want of a score
- Manual underwriting that cannot scale with the fleet
- Decisions that cannot be explained to the regulator
Input Data Requirements12 months of ride-hailing earnings, vehicle telematics (safety, utilization, consistency), lease-to-own application records
Output FormatApplicant credit scores, SHAP explanation per decision, retained decision record for the regulator, collections priority view
“We can lend to drivers with no credit file and still show the regulator why we said yes.”