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Start with one test.

No transformation project. Pick the test that answers your question — we reply with exactly what data we would need and what we would measure.

§ 01 — Choose the test

Small enough to approve. Specific enough to stop.

01 Run a portfolio backtest Any lender Send a historical sample of applications with the outcomes you already know. We replay them through Goscore and compare — nothing touches a live credit policy. 02 Run a 2,000–5,000 decline recovery test Credit & Risk Take a historical sample of declined or borderline applications, replay them through Goscore, and compare the recovered segment with realised outcomes where available. 03 Benchmark 100 manually reviewed cases Underwriting Operations Choose 100 recent borderline cases. Compare time-to-review, evidence completeness and decision consistency with and without a Goscore evidence pack. 04 Build a 30-day direct-channel economics model Digital Sales & Growth Bring channel commissions, application conversion, approval rate, data-check costs and average contribution per funded loan. We map where direct financial intelligence can change the economics before asking for integration. 05 Run a 50-decision explainability review Compliance & Responsible Lending Select 50 recent automated declines. We map what evidence was used, what can be explained today, and where transaction-based affordability could make the decision more transparent or more individualised. 06 Design a 1,000-customer signal pilot Portfolio & CRM Choose one consented segment and one action — early warning, re-engagement or affordability review. Define the signal, action and success measure before any automation. 07 Build the lending P&L opportunity model Lending P&L Bring six numbers: monthly applications, funded loans, average acquisition/agent cost, approval rate, average margin and realised loss. We turn them into an opportunity map tied to specific Goscore tests. 08 Scope a 2-week data proof Data & Innovation Pick one lending journey and a representative sample payload. We map required data, outputs, governance and integration boundaries, then define a proof that can be killed or expanded quickly.

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Run a portfolio backtest

Send a historical sample of applications with the outcomes you already know. We replay them through Goscore and compare — nothing touches a live credit policy.

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Prefer email? max@goscore.me
Lars Hilles gate 30, 5008 Bergen
Goscore AS · 922707324

What happens next

01 ReplyWe answer with the data we would need and what we would measure.

02 ScopeOne page: sample, method, success threshold and how to stop.

03 RunIt runs against history first. Nothing touches a live credit policy.

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Start with one test.

Small enough to approve. Specific enough to stop.

Run a portfolio backtest