Value Stream:
‍Renew

Centric AI automates re-scoring, identifies top-up opportunities, and delivers timely renewal offers—maximising portfolio profitability with minimal risk.

Overview

Renewal is where trusted borrowers become long-term partners. Centric AI empowers lenders to automate re-scoring, identify top-up opportunities, and deliver timely renewal offers—maximizing portfolio profitability with minimal risk.

Key Statistics

“Institutions using advanced analytics for customer renewal and cross-sell achieve up to a 20–30% increase in repeat borrowing.” (McKinsey & Company, 2023)

“AI-based lifetime value and renewal modeling can improve loan portfolio yield by 10–15%.” (Deloitte, 2023)

“Customer retention through personalized renewal offers can reduce acquisition costs by up to 50%.” (World Bank, 2022)

Current State / Pain Points
Triggers for Urgency
Future State with AI

Missed Renewal Opportunities

Renewal decisions rely on manual tracking or outdated data, causing delays and missed upsell chances.

Static Credit Limits

Loan limits and rates remain fixed despite improved repayment behavior.

Low Cross-Sell Success

Offers are generic and not aligned with customer needs or lifecycle stage.

Manual Renewal Workflow

Renewal and top-up processing involves multiple reviews and document re-verification.

Unclear Portfolio Profitability

Poor visibility into merchant lifecycle health, usage depth, and product adoption.

Revenue Leakage

Qualified customers lapse or seek loans elsewhere.

Profit Erosion

High-performing borrowers are under-leveraged.

Weak Engagement

Irrelevant offers lead to low response rates.

Operational Delays

Renewal cycles take days instead of minutes.

Strategic Blind Spots

Analyze competitor performance and market positioning to uncover opportunities and inform future growth strategies.

Automated Renewal Scoring

Centric AI re-scores customers in real time, surfacing eligible borrowers for top-up or renewal offers.

Dynamic Credit Adjustment

Centric AI adjusts limits and terms based on updated behavioral and credit data.

CLV & Affinity Modeling

Centric AI predicts next-best products for each borrower, driving cross-sell growth.

Workflow Automation

Centric AI automates renewals end-to-end with embedded decision and compliance checks.

Portfolio Optimization Engine

Every churn, upsell, and retention outcome refines predictive models, improving accuracy and portfolio returns.