Our mission is to positively impact the financial wellbeing of every hardworking American.
Aliya is a financial technology company founded and fully funded by the industry's leading innovators, engineers, and investment managers. Using machine learning and big data analytics, we enable banks and other financial institutions to create deeper, more profitable lending relationships with their existing underserved customers.
A 600 is not always a 600. Current credit scoring models are often outdated and inaccurate, falsely boxing in customers as non-prime when they can perform as near-prime/prime. These customers are often underserved by their financial institutions and must resort to payday lenders and other alternative marketplace lenders to find credit.
Aliya is more than just a credit model. We’ve created a unique solution to push out pre-approved, competitively priced loan offers to those who need it most. Using sophisticated data analytics, we partner with financial institutions to help identify the 40% of their customer base that is classified as non-prime but that can perform as near-prime/prime.*
HOW WE DO IT
Our credit policy uses machine learning, proprietary Free Cashflow and NPV models, 150+ Advanced Decisioning Attributes (3x the scope of normal models), and individualized underwriting to create the most accurate, robust picture of credit risk possible.
Our credit policy – which has been reviewed by the OCC and validated by a top 10 U.S. bank – has been proven to expand financial institutions’ lending population by about 35%.*
*Based on analysis of generic sample of installment loans opened across all issuers between Jan ‘13 and Mar ’13. Aliya proprietary data, obtained from data archive from Equifax.
Aliya serves as a white-label analytics and technology partner to financial institutions — not a marketplace competitor. Our sophisticated credit policy helps financial institutions lend more safely, accurately, and profitably, while deepening their existing customer relationships.
GROW YOUR CONSUMER LOAN PORTFOLIO
SOPHISTICATED CREDIT POLICY & MANAGEMENT
Easy “Plug-and-Play,” End-to-End Solution Tested to high quality assurance standards, our solution returns to you a target customer list with their recommended APRs and loan amounts.
ADVANCED DATA ANALYTICS & TECHNOLOGY
Machine Learning with Gradient Boosting Techniques A robust, stable, and scalable method that monetizes your data and ignores personal bias for a better picture of credit risk.
We are innovators, engineers, investment managers, consultants, dreamers, scientists, and creators who are committed to expanding the consumer lending industry in a fair, responsible way, while offering financial freedom and opportunity to those who need it most.
A one-page look at the nuts and bolts of our technology and its benefits for your institution.
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