Salary and recurring inflow detection
Kuda Technologies
35% coverage uplift over the third-party supplier
Problem
Lending affordability assessment required reliable detection of salary and recurring income. Third-party supplier (Mono) had limited coverage, particularly on accounts with sparse transaction history.
What I built
Designed an algorithmic framework for salary and recurring inflow detection from raw transaction data, replacing reliance on a third-party supplier with limited coverage. System directly feeds into credit eligibility and affordability decisioning.
Results
- 35% coverage uplift over the third-party supplier.
- 45% uplift on accounts where the supplier returned no data.
- 9% false positive rate.
- Directly improved credit eligibility accuracy for underbanked customers.
Stack
- Python
- SQL
- Algorithmic design