$9.6M
Saved from Bad
Debts
Data Science & Analytics
Data Science & Analytics
The financial world thrives on precision, trust, and the art of balancing risks with rewards. For Heimler, a cornerstone in the fintech industry, the challenge of managing credit risk wasn’t just a technical hurdle—it was a business-defining crisis. A significant lack of predictive tools to identify potential defaulters threatened not just their profitability but also their relationships with investors, customers, and employees alike.
Heimler was on the brink of becoming another cautionary tale, but they dared to dream bigger. They sought transformation, not just remediation. They needed a partner with the ingenuity to not only tackle the issue but to rewrite the rules of credit risk modeling.
Enter A3logics, armed with a vision that blends human intuition with the unmatched power of machine learning (ML). Together, Heimler and A3logics would embark on a journey to create the world’s best credit risk model—an AI-driven marvel capable of predicting defaulters before loans were approved, saving millions, and forging a new standard in the BFSI sector.
Saved from Bad
Debts
Increase in Active
Investors
Transparent
Reporting
Profitability
Growth
At the core of Heimler’s challenges was a glaring issue: a lack of visibility into the potential risks posed by prospective borrowers.
Heimler relied on outdated methods of risk assessment, unable to determine the probability of default until it was too late. This reactive approach led to mounting bad debts.
High default rates not only drained profitability but also eroded the trust of investors, with the number of active investors halving from four to two.
Without actionable insights, Heimler’s employees spent countless hours manually analyzing loan applications, often arriving at decisions riddled with inaccuracies
Rising bad debt threatened to derail Heimler’s financial growth, turning potential profits into avoidable losses.
This wasn’t just a numbers problem—it was a people problem. Employees felt overburdened. Investors began to disengage. Heimler needed a revolution.
Heimler wanted to go beyond damage control. Their vision was to build a predictive, data-driven ecosystem that could proactively identify defaulters, restore investor confidence, and enable employees to make informed, high-stakes decisions with confidence.
Create a mechanism to identify high-risk borrowers before approving loans, thereby minimizing defaults.
Develop transparent systems that showcase improved risk management and operational efficiency to attract and retain investors.
Reduce bad debts while increasing overall loan approvals for creditworthy applicants.
Automate manual processes, freeing employees to focus on strategic, customer-centric initiatives.
A3logics brought Heimler’s vision to life with a meticulously crafted Machine Learning (ML) Model, powered by Python and Tableau. This wasn’t just a tool—it was a transformative engine that redefined how Heimler approached credit risk.
Using Python, A3logics developed an intelligent ML model capable of analyzing vast amounts of borrower data to predict the probability of default.
The ML model was seamlessly integrated with Heimler’s loan application process, ensuring real-time predictions based on the data provided by applicants.
To make the insights accessible, A3logics built visually intuitive dashboards using Tableau, allowing Heimler’s teams to easily interpret and act on the ML model’s predictions.
From data ingestion to risk assessment, every step of the process was automated, eliminating manual errors and inefficiencies.
The solution wasn’t just about technology—it was about creating a seamless, human-centered workflow that empowered everyone involved.
What A3logics Did
What A3logics Did
What A3logics Did
The Tableau dashboards displayed the risk scores alongside actionable recommendations. For example:
What A3logics Did
As more applications were processed, the ML model became smarter, refining its predictions based on real-world outcomes.
The results of Heimler’s partnership with A3logics weren’t just impressive—they were earth-shattering.
The results of Heimler’s partnership with A3logics weren’t just impressive—they were earth-shattering.
By accurately predicting probable defaulters, Heimler saved millions that would have otherwise been lost to defaults. This wasn’t just about plugging holes—it was about building a fortress of financial security.
Streamlined operations, better risk management, and targeted lending led to a tangible boost in profitability, proving that precision and profitability go hand in hand.
With real-time dashboards showcasing Heimler’s improved risk management and reduced default rates, investor confidence soared. Heimler regained lost investors and attracted new ones, doubling their number from two to four.
The Tableau-powered dashboards provided clear, actionable insights into Heimler’s operations, giving investors a real-time understanding of the institution’s performance and future potential.
At A3logics, the belief is clear: Technology is only as powerful as the human lives it impacts. This philosophy guided every step of Heimler’s transformation.
Freedom to Innovate: By automating repetitive tasks, A3logics gave Heimler’s employees the time and space to think creatively and strategically. This fostered a culture of innovation and empowerment.
Clarity Through Data: Intuitive dashboards and real-time insights made decision-making faster and more accurate, boosting employee confidence and productivity.
Transparency and Fairness: Borrowers could see exactly how decisions were made, building trust in Heimler’s processes.
Faster Access to Credit: By reducing approval times, Heimler became a go-to institution for customers seeking quick, reliable financial solutions.
Data-Driven Confidence: Clear, real-time metrics showcased Heimler’s improved risk management practices, reassuring investors and restoring faith in the institution’s future.
A3logics isn’t just a technology partner—it’s a transformation enabler. Their ability to combine technical innovation with human-centric solutions makes them the ideal choice for businesses looking to turn challenges into opportunities
A3logics draws insights from diverse sectors like retail, healthcare, and logistics to craft solutions that are innovative, adaptable, and impactful.
With a team of seasoned data scientists and engineers, A3logics has a proven track record of delivering high-value solutions that drive measurable results.
Every solution A3logics builds is designed to grow with the business, ensuring long-term success.
A3logics prioritizes the people behind the systems, ensuring that their solutions empower employees, delight customers, and inspire investors.
For Heimler, the journey from crisis to competitive edge wasn’t just about solving a problem—it was about creating a legacy. With A3logics as their trusted partner, Heimler redefined what’s possible in credit risk management, setting a new standard for the fintech industry.
For A3logics, this success story is a testament to their mission: to empower businesses with transformative solutions that balance technical innovation with human connection.
Are you ready to turn challenges into opportunities, risks into results, and data into decisions? Let A3logics be your guide. Together, we’ll create solutions that inspire confidence, foster growth, and shape the future.
“All names, personal identifiers, and identifying details referenced herein, including but not limited to those pertaining to the client entity and any individuals described, have been altered, substituted, or otherwise anonymized. These modifications have been undertaken to ensure the protection of personal privacy and confidentiality, consistent with applicable data protection laws and regulations. Notwithstanding these changes to nomenclature and other personal identifiers, the events, situations, and circumstances depicted herein are based on actual, real-time scenarios and occurrences. Accordingly, while every effort has been made to preserve the accuracy and integrity of the factual circumstances, any resemblance of named parties to actual persons, whether living or deceased, is coincidental, unintended, and solely attributable to the anonymization process. All entities and individuals, as represented in this document, are presented in a manner that preserves the substantive essence of their roles, activities, and impacts, while ensuring compliance with legal and ethical standards of privacy and confidentiality.”
Marketing Head & Engagement Manager
