Credit risk
Credit risk is the risk that a borrower will not repay what they owe, on time or at all, leaving the lender with a loss. Managing it is the core job of lending: pricing, limits and decisions all flow from how much credit risk a lender is willing to take.
Lenders assess credit risk from credit history, scores and increasingly from real financial behaviour, then set their appetite, rules and pricing accordingly.
Credit Canary builds credit risk into one platform for UK lenders, with the data and decisioning behind it.
Decisioning EngineExplore more from Credit Canary
See where your credit union stands, benchmarked, in two minutes.
Affordability, cost of credit and Consumer Duty calculators.
Risk appetite, affordability, Consumer Duty and more.
How Credit Canary compares with other providers.
Original research on UK lending and digital performance.
See credit risk in a working platform
Credit Canary unifies credit risk, affordability and payments for UK lenders. Book a short walkthrough.
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