Risk Radar
Why risk changed, predicted future risk, and cohort comparison.
Goes beyond a point-in-time score to explain why a borrower’s risk moved, predict where it is heading, and compare against similar cohorts.
What Risk Radar does
Explains which factors drove a change in a borrower’s risk between assessments.
Predicts near-term default probability so teams can act before delinquency.
Benchmarks a borrower against similar segments to contextualise their risk.
Built on tree models with SHAP explainability — black-box outputs are not deployable.
From signal to governed decision
- 1Each new assessment is compared to the borrower’s history and cohort.
- 2Risk drivers and predicted default probability are computed with feature importances.
- 3Analysts review attribution and trends in the console with full audit context.
DurujScore is decision support, not a lender or bureau replacement — every output ships with reason codes, a confidence score and an audit row, and your credit committee remains the decider.
Related modules
Explainable 300–850 credit readiness score with bands, factors and reason codes.
Learn more →📈Income InsightBorrower Intelligence moduleCashflow stability, income capacity and economic activity from consented data.
Learn more →🛡IdentityFraud & Identity Risk moduleKYC confidence, device and SIM consistency, and fraud-signal clustering.
Learn more →See Risk Radar on your own data.
Book a walkthrough and we’ll show how it fits your policy, consent and audit workflow.