Northern Arc Capital Ltd. · NSE:NORTHARC
Northern Arc Capital — Investor Presentation (June 2025)
17 slides from Northern Arc Capital's investor presentation, June 2025
Slide 1: Nu Score by Northern Arc Analytics
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Slide 2: Contents
CONTENTS The Model Key Underwriting The Nu Score Journey, Challenges Product Suite Integration Our Approach vs Northern Arc’s Data Bureau Approach Driven History
Slide 3: Key Underwriting Challenges
KEY UNDERWRITING CHALLENGES Limited Visibility into Borrower Risk Inefficienct Risk Assessment Poor/No assessment of Thin-File/NTC Manual, Slow and Subjective Low Quality Bureau Score Differentiation Rigid Rules Weak Early Warning Systems Scalability Hurdles No Monitoring of BRE Rules Non-scalable U
Slide 4: The Solution – Nu Score
THE SOLUTION – NU SCORE Added layer of analytics and Machine Nu Score Learning through is an analytics-as-a-service based Nu Score offering of Data-Driven solutions ranging from ml scorecards to advanced analytics Assisting financial institutions with smarter assessment & Internal Credit & Risk Fram
Slide 5: Nu Score Product Suite
NU SCORE PRODUCT SUITE AIDING SMARTER DECISIONS ACROSS THE CUSTOMER JOURNEY CUSTOMER AND ACTIVE LOAN Nu X R&D – COLLABORATIVE PORTFOLIO ASSESSMENT MONITORING & MANAGEMENT EXPERIMENTAL SOLUTIONS MACHINE LEARNING EARLY CREDIT LOSS SCORECARDS WARNING SIGNALS ESTIMATIONS Advanced machine learning models
Slide 6: Nu Score ML Scorecards
NU SCORE ML SCORECARDS Credit Bureau - Active Bureau Exposure (₹) Credit Bureau - # Enquiries in the last 6m Built on Anonymized Originator Portfolio Data Custom-Built to your portfolio and customers. No BUCKET EVENT RATE POINTS BUCKET EVENT RATE POINTS PII inputs, ensuring privacy & compliance 0-50
Slide 7: Nu Score ML Scorecards: What It Helps Achieve
NU SCORE ML SCORECARDS What It Helps Achieve Improved Sourcing In-Depth Through Reject Inference Borrower Behavior Analysis Identify missed Enable smarter decision-making with lending opportunities actionable insights. Optimized Multi-Faceted Portfolio Revenue Yield & Customer Analytics Find the rig
Slide 8: Nu Score Report
NU SCORE REPORT Nu Disbursal Amount Score Recommendation The Nu Score Product wise for every application Credit Recommendation Behavioural Insights Interest Rate Customer + Credit Recommendation Traits of Customer Product wise Interest Credit Behaviour Rate Recommendation
Slide 9: Your Data Our Science
YOUR DATA OUR SCIENCE ADAPTIVE DATA SCIENCE : WE WORK WITH YOUR DATA LANDSCAPE Demographic Data Engineered and Derived Features Age, income, geography, occupation, household expenses, pin code level 10,000+ Attributes created using below data points to cull stress indicator PARAMETERS out patterns A
Slide 10: ML Scorecard Development
ML SCORECARD DEVELOPMENT TEST AND VALIDATE OUTCOMES Trained Model will be validated against unseen future data to assess predictive power and stability BUILD ALGORITHM AND TRAIN DATA Machine learning techniques will be used to understand borrower behaviour and compute a likelhood of default EXPLORE
Slide 11: ML Scorecard Lifecycle
ML SCORECARD LIFECYCLE Data Engineering POST & mining & wrangling Model GO-LIVE building Model insights Data Model Gathering TIMELY RECALIBRATION INSIGHTS building journey Models are monitored and Dynamic Visual Analytics recalibrated to account for Dashboards with actionable API based any changes i
Slide 12: Easy API Integration
EASY API INTEGRATION CLIENT NU SCORE CLIENT LOS/LMS Data Customer anonymized ₹35,000 data input For 12 months @22% ₹50,000 Data extracted For 24 months @22% & engineered API request to Nu Score outputs Northern Arc Fed to ML and BI dashboards Engine Model Anonymised data Monitoring stored in Data En
Slide 13: Nu Score Approach vs Credit Bureau Approach
NU SCORE APPROACH VS CREDIT BUREAU APPROACH PARAMETERS NU SCORE BUREAU SCORE SCORING Risk score of borrower for the Generic customer score specific institution across industry IDEOLOGY Bureau and Non Bureau data, including data on District behaviour, Only mandatory data points PARAMETERS natural cal
Slide 14: A Decade of Data Brilliance
NORTHERN ARC A DECADE OF DATA BRILLIANCE- ELEVATING YOUR ANALYTICS EXPERIENCE 30mn+ granular data points Transaction level data - Financial and operational Qualitative insights on collected over a decade 4,00,000+ loans monthly data of Originator Partners Originator Partners Continuous addition of n
Slide 15: Geo Analytics and Industry Benchmarking
TRANSITION MATRICES & VAR & EC GEO ANALYTICS TAIL EVENT RISK MODELS ROLL RATE ANALYSIS MODELS Assessing and quantifying rare event Capturing loan transitions and periodic likelihood and impact to prepare for and Analyzing location based data to enable cash flows to better estimate loss Value at Risk
Slide 16: Empowering Financial Institutions
EMPOWERING FINANCIAL INSTITUTIONS OUR DIVERSE ANALYTICS ENDEAVORS Pioneering Workshops First in the nation for ECL, Event Risk, VaR, and Economic Capital Modeling. Due Diligence Expertise Conducted quality assessments and lead diverse due diligence projects, aiding PE firms in their equity due dilig
Slide 17: Thank you
Thank you
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