Services To Help You From Lead-To-Loan™ 

Activate the full power of your data. Our expert-led services transform industry-leading insights into decisive action, driving growth, optimizing risk, and maximizing portfolio value from Lead-To-Loan™ and beyond.

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An End-to-End Solution for the Modern Lender

The lending lifecycle is a complex and comprehensive process. Trust Science offers a suite of complementary services designed to support you at every stage, though they can also be selected individually as needed. Our core services—Customer Acquisition, Risk Strategy, and Rating Agency 2.0™—are presented as interconnected stages within a single, coherent lending lifecycle. This integrated approach demonstrates that Trust Science is not just a vendor of independent tools, but a strategic partner essential to your operational lending flow.

Customer Acquisition

Precisely target and acquire high-propensity borrowers while managing risk from the first touchpoint.

Risk Strategy

Transform your risk models into a competitive advantage, enabling you to approve more loans with confidence and drive volume safely.

Rating Agency 2.0™

Gain a real-time, dynamic view of your portfolio's credit quality to make intelligent securitization and trading decisions.

CUSTOMER ACQUISITION ¹

Precision in Practice: Acquire the Right Customers, Right Now

Stop wasting marketing spend on unqualified leads. Our Customer Acquisition service leverages proprietary AI-driven models and advanced data analytics to connect your marketing and underwriting teams. Launch highly targeted campaigns customized to your specific risk criteria, driving higher conversions, lower acquisition costs, and truly sustainable growth.

We offer two distinct solutions to power your acquisition strategy, whether you are initiating contact or screening inbound interest. The following table clarifies the key differences, allowing lenders to quickly identify the solution that best fits their operational needs.

Highly Targeted Outbound Campaigns

Our Direct Marketing service enables you to create highly effective outbound campaigns that align risk and propensity, finding qualified, in-market borrowers to significantly improve your customer acquisition efforts

  • AI-Powered Targeting: Leverage our proprietary Six°Score™ and propensity models to pre-approve and target the most qualified candidates from millions of records, increasing conversions and reducing credit risk
  • Customizable Risk Engine: Define and test granular risk rules with our intuitive Flow°Builder™ interface, enabling A/B testing and strategy optimization for your specific underwriting criteria
  • Hyper-Local Customization: Utilize geofencing and store-by-store configurability to tailor offers to specific markets and demographics, maximizing campaign relevance and response
  • Fully-Managed Campaign Execution: Our white-glove service includes complete coordination with data providers and mailhouses (yours or ours), from data pull to postage. We manage the logistics so you can focus on the results
  • Performance Analytics: Receive comprehensive campaign analytics and reporting to measure ROI, reduce cost per funded loan, and continuously refine your strategy for smarter growth

Real-Time Inbound Lead Vetting

Gain a critical, low-cost intelligence advantage to screen out high-risk leads and purchase better leads from providers, mitigating acquisition costs and protecting your portfolio. 

  • Low-Cost Risk Intelligence: Screen live, inbound leads using a cascade of low-cost, soft, or non-credit data sources to make an instant purchase or bid decision before committing significant resources
  • Early-Stage Fraud Detection: Identify KYC red flags, velocity checks, and transaction risk signals at the earliest point of contact, preventing fraud before it enters your pipeline
  • Flexible Integration: Manage data waterfalls and risk rules within our Flow°Builder™ interface or integrate directly with your existing LMS or LMS for seamless workflow automation

  • Source Agnostic: Our platform is lead source agnostic, giving you the flexibility to work with any provider and apply a consistent layer of risk intelligence across all your inbound channels

 

RISK STRATEGY

Turn Risk into Your Competitive Advantage

In today's market, a reactive risk strategy is a liability. We partner with you to make risk management your primary competitive differentiator. From a full-featured decisioning platform to ongoing strategic recommendations, our service helps you confidently drive volume without increasing defaults, ensuring you can seize opportunities that others miss.

This service is not just about providing a tool; it's about delivering expertise and a partnership that ensures the tool is used to its maximum potential, reflecting our commitment to being a trusted partner in your long-term success.

Strategic Onboarding & Implementation

We begin our partnership by developing a bespoke implementation strategy, ensuring our solutions align perfectly with your portfolio goals and operational workflows from day one

Proactive Portfolio Reviews

Receive regular, data-driven reviews of your portfolio's performance, complete with actionable recommendations to optimize your strategy and stay ahead of evolving market risks

Powerful Decisioning Tools

Utilize Flow°Builder™ to create, manage, and deploy complex decisioning logic and data waterfalls with no-code simplicity, putting full control of your risk strategy in your hands

Uncover Hidden Opportunities

Our advanced AI and predictive analytics, powered by products like T°Score™, allow you to accurately assess borrowers often missed by traditional scoring. This turns the vast Invisible Prime™  borrower segment into a source of profitable, sustainable growth for your business

RATING AGENCY 2.0™

Securitize with Intelligence: Real-Time Portfolio Valuation

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The era of relying on stale, static credit files for portfolio valuation is over. Rating Agency 2.0™ leverages advanced machine learning and real-time data to deliver a dynamic, up-to-date view of your portfolio's default risk and performance trends. Securitize with greater confidence, make faster and more profitable trading decisions, and gain a definitive competitive edge in the secondary market.

  • · Dynamic Risk Assessment: Go beyond static scores. Our models provide a continuous, updated view of each file's default risk and risk trending, offering a true picture of your portfolio's health
  • · Batch Re-Underwriting: Efficiently re-evaluate entire loan pools or tranches to get a precise, current snapshot of credit quality and performance, informing your strategic decisions with fresh data
  • · Informed Asset Trading: Quickly and accurately identify over- or under-valued assets, enabling you to decide which loans to buy or sell with minimized risk and maximized returns
  • · Enhanced Securitization: Approach the securitization market with superior intelligence. Provide deeper, more credible insight into your portfolio's value to optimize negotiations and achieve more favorable outcomes
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Your End-to-End Growth Partner

From Insight to Impact, We're With You at Every Step

Trust Science is more than a technology vendor; we are your strategic partner in building a more profitable, efficient, and inclusive lending business. Our services are designed to integrate seamlessly into your workflow, providing the tools, expertise, and support you need to navigate the complexities of the modern credit landscape. 

See how our expert-led services can help you find better borrowers, optimize risk, and unlock new revenue streams. Schedule your personalized demo today.

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¹ At this time, Customer Acquisition services are only available in the United States.

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10130 103 Street, Floor 11
Edmonton, AB Canada T5J 3N9

1(866) 687-8789

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