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PANIROIS consultants have worked on domestic landmark CSS projects since 2001 to the world 1st case, telecom data credit assessment modeling.  We are Analytic Based Consulting group which has the most advanced techniques.

Analytic Predictive Modeling


Risk measurement and management Scoring Model Development

• ASS (Application Scoring System)

• BSS (Behavior Scoring System)

• Credit-needs Model

• Early Payment Model

• Attrition Model

• Bankruptcy Score


Collections Model Development

• Pre-Collections Model

• Self cure Model

• Payment Project

• Right party contact Model

• Promise to pay Model

• Personal Rehabilitation Model


Model Development for Marketing Activities

• Attrition Model

• Response Model

• Revenue Model

• Early Payment Model

• Churn Model

• Credit Capacity Model


Advanced Model Development

• Machine Learning Scoring

• Multiple Goal Model

• NPV Model (Brief description is below)

What is NPV Model?

NPV Model is modeling an every key variable which impacts on recovery rate for each bond. At the past due point, NPV Model enables user to predict accurate collection rates and make decisions on selling bonds, internal management, delegating CB and etc.

Analytic Based Strategy Consulting
- ​Marketing -


Product Marketing Strategy and KPI

• Product System Diagnosis and Improvement

• Target Market/Product Positioning Strategy

• KPI and Tracking process Establishment

• Marketing Process and Management Strategy


Offer Strategy

• Single Offer Management

• Multi Offer Management

• Offer Response Analysis


Target Customer Strategy

• Acquisition

• Up-sell / Cross-sell

• Retention / Attrition


Channel Management

• Multi-Channel Distribution Strategy

• Channel Strategy for Marketing Scenarios

• Response Analysis

Analytic Based Strategy Consulting
- Screening and Customer Management Strategy Development -



• Screening Strategy (Cut off and Policy Rule Strategy)

• Application Limit Strategy

• Application Interest Strategy



• Structure of Interest Rate Improvement

• Interest Rate Strategy

• Credit Cost and Risk Cost Calculation


Customer Management

• Customer Limit Strategy

• Re-loan Strategy

• Additional Loan Strategy

• Extension of Debt Maturity Strategy


Fraud Prevention Process Development

• Partnership with Domestic or Global companies to examine and improve internal process for choosing the optimum Fraud Service and maximizing service usage

Analytic Based Strategy Consulting
- Bond Management Strategy Development -


Organization and Process

• Diagnosis and Improvement of Delayed Bond Process

• Past-Due Organization Management Strategy Plan

• Domestic/International Credit Management Status and GAP Analysis

• Mid/Long-Term Organization and Process Management Strategy


Channel Distribution Strategy

• Channel and Bond Distribution Strategy

• Responsible Line Distribution Strategy

• Right Channel and Right Time


Collection Strategy

• Pre-Noticed Call/Grace Period/Early Transfer Strategy

• Multi-Debtor Collection Strategy

• FPD(First Payment Default) Strategy

• PTP(Promise To Pay) Strategy


NPV Strategy Development

• Collection Performance Evaluation Plan

• Readjustment Debt Evaluation Plan

Basel and Credit Risk Consulting


Basel Approval

• Assist Inspection Report for Approving Internal Grading System

• Provide Review Report about Self-Evaluation as an independent third party

• Suggest counterplan and additional work support for the third party reviewing issue with Financial Supervisory Service (FFS) Approval


The third party Review and Risk Organization diagnosis​

• Review the Adequacy of Credit Rating System

• Data Quality Validation and Review the Adequacy of Quantifying Risk Measurement Process

• Review the Adequacy of IT Environment for Quantifying Risk Measurement

• Review documentation of Internal Rating System Process and Changes

• Review the satisfaction of minimum requirements

• Provide Operational Guidelines and Report Template for Regular third party review

• Assist modifying bylaw for the third party review under credit risk regulation rules

• Suggest labor management plan for the third party review

• Training for the third party review framework



• Build IRB Validation Framework

• Validation Task Practice

Strategy Solution


Risk Management Solution

• Strategy Development for Credit Loan Model and Limit, Screening and Interest Implementation

• Optimized Solution Selection among the Domestic Major financial institution’s solutions and Development for Client


Marketing Solution

• Marketing Campaign Management Solution


Monitoring Solution

• Monitoring Solution for Model and Strategy

• Build Data Mart for Monitoring

• Data Visualization


Machine Learning Solution

• Partnership with Global Partners to provide Machine Learning Solution for each project


Collections Management Solution

• Collection & Recovery Solution

Contact Us

4F, Somerset Palace Seoul

7, Yulgok-ro 2-gil, Jongno-gu, Seoul, 03143, Korea

T. 82-2-739-8325

F. 82-2-739-8328

Email :

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