Initial Credit Line Determination - Spanish

Present how FICO supports financial institutions in accurately setting the initial credit line for new applicants by balancing risk, performance, and profitability.

• Balance between risk and opportunity: Setting limits too high increases exposure to losses; too low creates friction and may push high-quality applicants toward competitors.
• Need for real-time decisioning: Institutions must respond quickly to changing customer profiles and behaviors.
• Importance of early optimization: Determining the right credit line from the start is critical to long-term portfolio success.