LTV Advisor
Optimise return through governance and risk controls
Platform
Data + Intelligence
Data sits at the core of everything we build. Our decisioning and intelligence drive every part of the products running on our infrastructure, across communication, onboarding, underwriting, and risk management.
This is built on real-world deployment, shaped by over 35 million users across markets, products, and channels, drawing on behavioural, transaction, and repayment data that reflects how credit performs in the field. Every user action reinforces model performance, giving partners a compounding edge over static rules set at launch.
Our Data ModulesExplore Core InfrastructureExplore Portfolio Management
PlatformOur Data Modules
Data + Intelligence
Data sits at the core of everything we build. Our decisioning and intelligence drive every part of the products running on our infrastructure, across communication, onboarding, underwriting, and risk management.
This is built on real-world deployment, shaped by over 35 million users across markets, products, and channels, drawing on behavioural, transaction, and repayment data that reflects how credit performs in the field. Every user action reinforces model performance, giving partners a compounding edge over static rules set at launch.
With _able, you access a decisioning and intelligence layer shaped by hundreds
of millions of decisions and actions, and
billions in credit and savings.
Why institutions deploy on _able
Collection Optimization
Manage customers and businesses end to end across the lifecycle
Churn Prediction
Anticipate and reactivate disengaged consumers and businesses
Portfolio Construction
Optimise the borrower mix to meet risk and return targets
Fraud Prediction
Identifying anomalous patterns before loss occurs
Explore our data modules:
Data + Intelligence
Segmentation
Our goal is to serve each customer and business with financial products that are relevant to their context, behaviour, and needs.
What we review:
Demographics- Time of Day
- Seasonal Activity
- Network Graph
- CRB History
- Spend Categories
Over 10K attributes are analysed to identify patterns and behaviours.
50+
Unique segments driving product journeys
Continuously refined
using real customer interactions.
live score users in less than
1 second
We make decisions about:
- Applications
- Behaviour
- Propensity
- Risk premium
- Fraud
Data + Intelligence
Decisioning & Scoring Engine
Our decisioning engine ingests billions of data points, combining proprietary scoring models with AI-driven profiling to deliver accurate credit decisions.
Data + Intelligence
Adaptive Risk
_able makes real-time decisions across the product lifecycle. Our configurable rulesets and ML pipelines ensure every decision, from credit to communication to recommendations, aligns to your risk threshold.
Designed to underwrite
thin-file populations.
35M
unique profiles driving decisions
Configure:
- Portfolio construction
- LTV optimization
- Risk-based pricing
Use intelligence beyond scoring.
Optimize every portfolio outcome.
100%
of portfolio covered
by model monitoring
Features enabled:
- Collection optimization
- Churn prediction
- Communication optimization
- Growth-risk balancing
- LTV maximization
Data + Intelligence
Portfolio Intelligence
_able puts data and models beyond scoring to work across the full lifecycle. It optimizes collections, predicts churn, personalizes communications, balances growth and risk, and maximizes lifetime value with the right action at the right time.
Explore our data modules:
Data + Intelligence
Segmentation
Our goal is to serve each customer and business with financial products that are relevant to their context, behaviour, and needs.
What we review:
- Demographics
- Time of Day
- Seasonal Activity
- Network Graph
- CRB History
- Spend Categories
Over 10K attributes are analysed to identify
patterns and behaviours.
patterns and behaviours.
50+
Unique segments driving product journeys
