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Case Study

Tosh Inc

Credit underwriting solution for a big industrial and lending services provider, wishing to move away from business rules to risk-based decisions.

Client's Background

Industry type: Industrial Services

Key Products & Services: Commercial Support, financial services

Geography of Operations: USA


Tosh Inc, created a database that blended customer data acquired internally with external providers like credit bureaus and fraud detection services. And they felt the need of filtering, transforming, and aggregating data carefully, using the right tools. Tosh Inc asked Utah Tech Labs to create a tool that would be able to predict future performance and answer the following questions:

  • Is the customer with perfect credit history going to default?
  • How much will be the return on a dollar?
  • How likely is the customer to come back once he has paid his loan?


After thoroughly analyzing the industry and regulations, Utah Tech Labs team has selected several tools suitable for Tosh Inc data processing such as logistic regression, decision trees, random forest, gradient boosting techniques and more!

Also, we believe that deployment is of key importance. Even if you have a secret formula, in order to be able to use and get revenues you need to know how to deploy it. That is why we pay a lot of attention to finding and analyzing the right deployment strategy.

The features and functionalities

Cloud-based solutions

With an increased capacity, scalability, functionality, reduced maintenance and cost for computer infrastructure and in-house staff.

Enabled API calls

The information is transferred, processed, and feedback is returned back with 100% safety.

Fully automated processes

Including predictive and real-time diagnostics, with error-correction that requires little or no manual intervention.

Hassle free loans for the customers

No stress. Requiring minimal effort from clients.

Business Impact

  • Defaults went down from 12% to 8%
  • Return on the dollar loan went up from 18% to 32%
  • Business returns increase of more than $25 million.

With cloud-based solutions, API calls, and automated processes, Tosh Inc. reduced processing workload and improved customer experience. Now customers can get a hassle-free loan in a few minutes both online or in the store.

It does not matter if you are starting from Zero or at the end of the road

You can count on us. We provide the talent you need to help you build your decision engine.