Credit Scoring for Lenders
See creditworthy borrowers before the bureau can
Supersymm reads everyday signals, including mobile recharge, utility payments, and geolocation patterns, to score people without a bureau file.
Supersymm Score
764
High Confidence
Illustrative output. Signal weights differ by borrower profile and available data.
The Credit Gap
1.4B
Adults with no credit file
Roughly half live in Latin America and Sub-Saharan Africa. Many are unseen by credit systems.
A lender growth problem, not a charity question
People excluded from bureau scoring may pay bills, recharge phones, and manage household cash reliably. They can be creditworthy, but the system cannot see it.
For lenders, each rejected application is business lost to a competitor or left untouched. Supersymm adds data to serve this market responsibly.
Three Steps
From borrower to credit decision
01 / Connect
Send borrower identifiers
Your system sends borrower identifiers and permissioned data touchpoints in one API call. Consent is captured and logged on your side.
02 / Score
Read signal patterns
Supersymm processes mobile, utility, and behavioral signals. A 0-1000 score with a confidence band returns in under 800ms median latency.
03 / Lend
Send the score to your LOS
Receive the score, leading signals, and data freshness flag through REST API. Add it to your loan origination system without rebuilding underwriting.
Early Results
Pilots reveal what bureau scores miss
+34%
Approval rate lift
Early-access pilots with partner lenders, internal data, initial 90-day windows.
On par
Default rate vs bureau cohort
Default rates were on par with the bureau-scored cohort over the same period.
<800ms
Median API response
API median latency is under 800ms.
"The pilot gave us a way to assess borrowers through alternative signals rather than the absence of a bureau file. Early results changed how we view this segment."
Chief Credit Officer, a regional digital lender
Early-access pilot partner
Who Uses Supersymm
For lenders growing beyond bureau data
Digital-native lenders
Reach unbanked segments
Your mobile-first product faces acquisition costs, while bureau pulls return no file for your target borrowers.
Supersymm adds scoring for thin-file applicants without requiring a new underwriting build or LOS change.
Microfinance institutions
Replace manual field assessment
Field visits cost time and money. Subjective assessments can vary across your portfolio.
Scores use alternative signals for borrowers with informal income, before a field officer makes the trip.
Credit cooperatives
Serve members with informal income
Your members include seasonal workers and sole traders whose cash flows do not appear in bureau records.
Alternative signals show financial discipline that formal records miss, helping you lend to members you already know.
Consumer fintechs
Score first-time mobile borrowers
You see strong mobile engagement, but bureau rejection remains high among first-time applicants under 30.
Mobile behavior offers useful signals for this group. Supersymm turns app activity into a credit assessment.
Lend to borrowers the bureau cannot see
Join the pilot program. 500 scores per month included, with no commitment required to start.