Serena® is a Credit Business solution created to automate credit delivery decisions, combining consistency, reliability and prediction capabilities of mathematic statistic models to deliver credit products, combined with data processing power and precise answer levels for a correct credit risk decision.

The main advantage of Serena® is that it processes existing Company information, so to use it specifically to predict behaviors of actual as well as future customers.

Its high level of parameterization allows to Serena® to define rules, calculus and strategies in a very flexible way, so to automate credit decisions with significant operative cost reductions as well as eliminating subjective credit analysis conditions.

The scoring is a tool that helps in the process of evaluations, the style of job gives confidence about the decisions, because they don´t depend of the subjective that takes a decision.

The cycle of credit involves the following steps:

• Request of credit in any of his forms, overdraft in Account, limits of purchase and funding in credit cards or different kind of loans (personal, secured loan and/or mortgage)
• Administers the credit relation in which the client uses the credit and shows a behavior of payment.
• Control and monitoring.
• New application credits.