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How HPCC Systems is Building the next generation Credit Bureau

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As part of the 2018 HPCC Systems Community Day event:

According to a Brazilian bureau market research study in March 2018, a total of 61.7 million Brazilians, which represents a staggering 40.5% of the country's population over 18 years old, are late on bill payments. The high delinquency causes interest rates charged in Brazil to be among the highest in the world, and they apply for everyone, regardless of credit history. A significant reason for this situation is that Brazil lacks a unified, national credit bureau that can provide the banks with an accurate indication of credit risk. Enter HPCC Systems. In this presentation, we will show you how HPCC Systems has been used to build a credit bureau from scratch in Brazil, making use of state-of-the-art ECL to automate not only file ingestion and profiling, but also to automatically generate ECL for the complete data pipeline processing. Additionally, we will show how we used HPCC Systems to easily create and test analytics attributes to deliver risk related products, such as credit and fraud scores. These scores will enhance the ability of credit grantors in Brazil to leverage the data available, enabling them to better distinguish the good payers from the bad ones, and ultimately allowing for lower interest rates that increase access to credit and foster economic growth.

David Wheelock, Mauricio Nunes de Oliveira,
Robert Berger & Lucas Sobrinho, LexisNexis Risk
Solutions

Published in: Data & Analytics
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How HPCC Systems is Building the next generation Credit Bureau

  1. 1. Innovation and Reinvention Driving Transformation OCTOBER 9, 2018 2018 HPCC Systems® Community Day David Wheelock, Mauricio Nunes, Lucas Sobrinho & Robert Berger How HPCC Systems is Building the next generation Credit Bureau
  2. 2. • 5th most populous country 208.6 million inhabitants • 9th highest in the world GDP of 2.138 Trillions USD • 5th largest country • Bigger than continental USA 3.28 million square miles • São Paulo • Brasília Notable cities São Paulo Brasíli a How HPCC Systems Is Building the next generation Credit Bureau 2
  3. 3. The Brazil Bureau
  4. 4. How HPCC Systems Is Building the next generation Credit Bureau 4 TransUnion Experian IBM
  5. 5. How HPCC Systems Is Building the next generation Credit Bureau 5
  6. 6. The Technology How HPCC Systems Is Building the next generation Credit Bureau 6
  7. 7. How HPCC Systems Is Building the next generation Credit Bureau 7 Unified Data Model 23 layouts
  8. 8. Data Pipeline How HPCC Systems Is Building the next generation Credit Bureau 8 File arrives in the Landing Zone File goes through several processing steps (ETL)
  9. 9. How HPCC Systems Is Building the next generation Credit Bureau 9 Registration data name e-mail phone Person person_name cpf Phone phone_number phone_type E-mail email_address email_type {
  10. 10. How HPCC Systems Is Building the next generation Credit Bureau 10 CIP
  11. 11. Data Pipeline How HPCC Systems Is Building the next generation Credit Bureau 11 File arrives in the Landing Zone Data is automatically profiled File goes through several processing steps (ETL)
  12. 12. Fieldname Rec # % populated Max length Avg length type 68432 90.8 1 1 name 68432 60 55 27 Auto Profiling How HPCC Systems Is Building the next generation Credit Bureau 12 Fieldname Cardinality Length Frequent terms Patterns type 1 1 1,2 9 name 43098 23,25 John, Maria aaaa
  13. 13. Data Pipeline 13 File arrives in the Landing Zone Data is automatically profiled File goes through several processing steps (ETL) Enterprise Service Platform How HPCC Systems Is Building the next generation Credit Bureau
  14. 14. OSS Enterprise Service Platform Enterprise Service Platform 14 Fully based on open source HPCC Systems Platform End-to end HTTPS support Web Services as HPCC Systems components Authentication, Authorization and Accounting Bridge between external clients and ROXIE queries Fully configurable via Configuration Manager How HPCC Systems Is Building the next generation Credit Bureau
  15. 15. Enterprise Service Platform 15 Consumer requests information through an external application Authentication Transaction Logging Enterprise Service Platform Authorization ROXIE query Client Response How HPCC Systems Is Building the next generation Credit Bureau
  16. 16. 16 Attributes account id amount days_late date_due id_contract is_active Attribute engine How HPCC Systems Is Building the next generation Credit Bureau id attr1 attr2 attr3 1 2 0.45 812 2 5 0.12 1509 3 0 0.87 401
  17. 17. How HPCC Systems Is Building the next generation Credit Bureau 17

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