AI Risk Detective
for Auto Lenders

Uncover hidden risks. Protect portfolio value.
Book a Demo with Founder
DataScoop Narrative
Dashboard
Averages Hide the Real Risk
Scorecards mask the early warning signs:
  • Charge-offs spike in hidden micro-segments but topline KPIs appear stable
  • Shifts in car prices, tariff changes, and interest rate volatility ripple through select borrower tiers
  • High-risk borrower profiles and underperforming dealers blend into portfolio averages

From Charge-Offs to Root Cause in One Click

Go beyond scorecards. Understand why losses are rising.
AI-Powered Analytics
DataScoop uses explainable AI to scan your auto loan portfolio and surface the hidden drivers of charge-offs — by borrower, dealer, region, or risk tier. We connect loan performance with external signals like interest rates, used car values, and economic trends—so you get clear, actionable answers, not just more charts.
AI-Powered Risk Analytics
Advanced AI helps you stay ahead of delinquencies:
  • Automatically identifies risk factors in your portfolio
  • Analyzes external factors affecting loan performance
  • Curated recommendations are delivered to your inbox

Solving the Combinatorial Explosion in Risk Assessment

Don't let the curse of dimensionality slow you down
Combinatorial Explosion
When multiple risk factors intersect — FICO bands, LTV ratios, PTI percentages, dealer tiers, and monthly payments — identifying true risk becomes exponentially complex. DataScoop cuts through this complexity by instantly analyzing millions of variable combinations to isolate your highest-risk microsegments. In seconds, your team can identify precisely which combinations require tracking, monitoring, or immediate action.

Built for Leaders Driving Risk and Revenue

Early-warning risk intelligence, tailored to each decision-maker across your lending organization
C-Suite

A clear, predictive view of portfolio health

See emerging risks before they hit top-line KPIs. Weekly executive briefs highlight where yield is threatened and where to lean in.

Head of Credit Risk

Surface micro-segments driving losses

Connect loan performance with external signals to identify mispriced segments before losses materialize.

Head of Sales

Balance growth with portfolio protection

Know when to push volume and when to pull back. Align dealer strategy with risk signals to drive profitable growth — week after week.

What our customers have to say

Real insights from business leaders and analysts using DataScoop

"My week begins in DataScoop. It informs me of important changes to my business, and improves my time spent on dashboards. It proactively uncovers trends and problems that would otherwise catch us off guard. My team looks forward to DataScoop narrative every Monday morning."

Hai Tran
Head of Product and Engineering

"DataScoop uses comprehensive data collection and analysis methodologies to effectively direct towards the root causes related to a business problem. The visualization towards isolating the problem to specific segments is well-structured and is powerful in drawing insights from metrics trends and doing targeted study. The tool also follows a thorough stakeholder involvement process and considers any user input relevant for analysis/insights. Overall, I would recommend DataScoop for business users tracking KPIs/business metrics trends on a regular basis."

Debasmita Mukherjee
Senior Manager, Engineering & Data Science

"DataScoop diagnoses metric deviations comprehensively, going beyond traditional tools. It synthesizes external data (macroeconomic indicators) to contextualize metric shifts and presents complex insights as readable narratives. If analyzing a business metric is a 100-mile journey, this tool covers the first 50 miles effortlessly, allowing analysts to focus on deeper, strategic insights. Leveraging recent AI advancements, DataScoop represents the future of analytics."

Aditi Das
Senior Data Scientist
We make Onboarding easy
Done for you, in a week
1
Load Data
Load Data
Securely connect your loan data
2
Understand Drivers
Understand Drivers
Top factors driving your losses
3
Take Action
Take Action
Change pricing or risk strategy

Data Privacy and Security

Built into Design
Isolation of workloads
We offer DataScoop in a fully self-contained environment dedicated to your instance. We have invested in robust separation between customers, both for compute and storage.
Data encryption
Data that is captured, stored or processed by DataScoop is encrypted when in transit or at rest. We also provide client side and field-level encryption of data through shared keys.
Cloud infrastructure
DataScoop's services are entirely run in the cloud. All data centers are in compliance with the highest industry standards including SOC 2 Type II and ISO 27001.

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