The credit expert’s choice

Credit risk software without compromise. Designed for credit experts by credit experts.

Valued Engineering

We engineer specialist credit risk management software, that helps you to build and deploy better models, automate decisions and manage model risk and governance.

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Always evolving

Progress never stops. Whether that’s using the latest techniques or new functionality. There’s always a new challenge or a better way.

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Experience matters

We bring together the old and the new, traditional and modern methods. Compromise isn’t a choice you should have to make.

Our core products

All of our software is designed around you; engineered to empower users and deliver value.

Modeller

Build powerful predictive models with ease using the latest machine learning techniques. Transparency, grouping and reject inference are built-in as standard.

Paris

Decisioning software for all applications across the credit risk lifecycle, from application processing to collections management and more.

Focus

Manage model risk and governance efficiently with Focus. Keep the regulator happy with end-to-end management, validation and explainability.

How we support

Our support encompasses not just our software and its implementation. You can talk to us about everything from systems strategy to technical scorecard development and optimised collections strategies.

Don’t just take our word for it

Paragon clients come in all shapes and sizes world-wide, from big banks to specialist lenders.

“We’ve developed over 100 credit risk models using Paragon software over the last 18 years, ensuring our models are developed to high standards, transparently and efficiently.”

GREGOR FINLAYSON, CREDIT INSIGHT & ANALYTICS, NATWEST/RBS

Our partners

Our software is available through resellers globally. Crucially, they’re all expert users, so you’re safe in the knowledge they have deep technical expertise.

The latest from Paragon

Featured
Paragon releases Modeller 6.0

We are very pleased to announce that our latest major release of Modeller, version 6.0, was recently made available to all new and existing users.  A new Model Explainer and reporting suite is included in this latest release.  This enables users to run suites of model-agnostic reports on multiple models and/or populations simultaneously, driving efficiencies in the production and interpretation of reports. 

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Evolving Credit Scoring: Harnessing the Power of Open Banking Data

In the world of lending, there's a notable shift happening in both consumer needs (greater need for credit, evolving working practices such as gig working) and most relevantly to lenders with the introduction of Open Banking data. It's changing how lenders evaluate both creditworthiness and affordability, providing a more detailed view of a person's financial habits as well as opportunities to remove friction and automate decisioning. In this article, we'll explore the practical aspects and real-life examples of how Open Banking is reshaping credit scoring.

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Streamlined Credit Risk Modelling: How Modeller Empowers In-House Teams With Enhanced Governance And Compliance

It is imperative for companies to have a robust and effective credit risk modelling process in place. Credit risk models (and many other model types) must pass regulatory scrutiny and internal audit requirements, all with the aim of ensuring that the models developed will perform as required and to minimise any potential model risks. The accuracy and reliability of this process are crucial for financial institutions, as their credit risk models directly impact their lending decisions and overall profitability.

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Paragon's Modeller: Three Decades of Excellence in Credit Scoring Models 

Paragon's Modeller has evolved over three decades, continuously improved and refined into a trusted and valued tool for credit risk analysts and modellers. With a focus on simplicity and ease of use, Modeller embodies a commitment to excellence, with best-in-class processes and methodologies to deliver best-in-class predictive models.

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