Smart application-taking procedure
Online anti-fraud
Offline financial analysis
Smart decision engine
Smart application-taking procedure Integrated within the Smart Lending Platform (FSL), there’s a smart dispatching system that is based on path designing[I don’t understand], highly improvings loan officers’ efficiency and service effect. The standard questionnaires and smart algorithm support more than 100 specific industries for the analysis. Cross-checks and financial statements in the underlying system are generated automatically.
Online anti-fraud Online anti-fraud includes biological features recognition, and geographic position monitoring; big data anti-fraud; multi-dimensional recognition and smart analysis; deep analyses such as relevancy anti-fraud, user behavior, and blacklists, etc.
Offline financial analysis Integrated within the Smart Lending Platform (FSL), there’s a smart dispatching system that is based on dynamic locations, highly improving loan officers’ efficiency and service effect. The standard questionnaires and smart algorithm support more than 100 specific industries for the analysis. Cross-checks and financial statements in the underlying system are generated automatically.
Smart decision engine The engine is designed based on credit experience from over 50 banks and more than 10,000 offline credit committees with multisource risk-control data. Working together with Unionpay Advisor, Shanghai University of Finance and Economics, F-Road developed the EM-tool algorithm. Additionally, it is also using big data machine learning to improve the accuracy and efficiency of the decision making engine.
Product Introduction
Smart Lending Platform (FSL) is the support system of micro lending business with functions such as online applications, online anti-fraud, big data scoring, smart rule engine, financial analysis, marketing promotion, etc. It is developed by F-Road for the regional banks. This system fully shows clients’ information such as clients’ consuming activities, transactions via bank accounts, joint-liabilities, black lists and credit histories by using the online data service and smart scoring technology. At the meantime, referring to Classical Micro-lending technology, the system supports offline data collection, cross-checks and standard smart questionnaires. In this way, the information asymmetry towards MSE clients and the loan officers’ moral risks are decreased, the efficiency of the analysis and credit committee is improved, as well scope of the credit target group extended to business owners, farmers, micro and small enterprises, and individuals.
Product Advantages
Improving speed, volume, and efficiency
Increasingearnings
risk control
Systematical algorithm model
Expert Team
F-Road Smart Credit Department has a stable and strong team, with a number of international and Chinese experts, with credit project experience all over the world. In the field of financial inclusion, the team members have in average 10 years of experience in credit consulting project management and comprehensive risk control.
Core Team
  • Robert Scheunpflug Deputy Manager of Smart Credit Department / Senior MSE expert
    He has 12 years of experience in small and micro lending project consulting, small and micro enterprise lending and individual lending in China and Eastern European countries. Since 2005, he worked for German International Project Consulting (IPC GmbH) as one of the first generation of IPC credit experts to enter China. He was mainly responsible for small and micro lending consulting projects in several rural commercial banks, including Suzhou Bank, Ningbo Yinzhou Rural Commercial Bank, etc. and participated in 25 downscaling projects, that in total disbursed a portfolio of 100 billion RMB of micro loans. In 2013, he co-founded Silkroad Business Consulting Ltd. Co (SBC), which was founded based on IPC Technology and established to serve the regional banks,where he was holding positions of CEO and senior bank advisor. Since May 2017, when F-Road acquired SBC, he acts as deputy manager of the Smart credit department. He holds a master’s degree in political science from Humboldt University, Berlin, Germany.
  • Liao Zhiying Doctor of Engineering Deputy Manager of Smart Credit Department / Senior Risk-Control Expert
    Dr. Liao is a senior risk control expert and chief bank advisor with experience in small and micro credit project consulting, small and micro loans, and rating of small and micro institutions in China, East Asia, and Africa. In 2005, she worked for Germany IPC as the first generation of IPC credit experts to China. She was mainly responsible for the micro-credit consulting projects of China’s regional banks, including Taizhou Bank, Baoshang Bank and Guiyang Bank, she participated in projects of 30 banks and projects, managing a micro loan portfolio of up to 100 billion RMB. In 2008, she worked at China Development Bank as an expert of micro-credit technology training. In 2013, she co-founded the Silkroad Business Consulting Co., Ltd., based on IPC technology serving regional banks. She has participated extensively in credit risk management projects at home and abroad including the World Bank, IFC, Frankfurt School of Finance Management, InterChina Consulting, Planet Ratings, MicroFinanza Rating, and has extensive experience in the field of inclusive finance. After F-Road acquired SBC in May 2017, she serves as deputy manager of F-Road’s Smart Credit department. She graduated from Dortmund University in Germany with a Ph.D. in engineering.
  • Vitaliy Abayev Chairman Assistant/Head of Financial Cooperation Department/Senior Bank Consultant
    He has 20 years of experience in banking and project consulting in China and Eastern Europe. He has worked in the IPC-led Ukraine Microfinance Projects, and served in Ukraine First International Bank, Piraeus Bank, Swedbank, Vneshtorg Bank, and Privatbank in Senior management positions, including branch manager and general manager of the retail department, etc. Since 2015, he started to work in China. He has led the MSE projects in Shanxi Shanyin Rural Commercial Bank, Ningbo Zhenhai Rural Commercial Bank, and Henan Xiuwu Rural Commercial Bank.After SBC joining F-Road, he became the chief project manager of the Smart Credit Department. He graduated from Pridneprovsk State University with a master’s degree in finance.
  • Oleksiy Krysynskyy Chief Manager of Risk Control and Modeling Department / Smart Credit Department
    He has 12 years of banking and project consulting experience in China and Eastern Europe. He had worked for Ukrainian Kreditprom Bank and served as general manager of the Micro Finance Department. He started his work in China in 2013 and successively led the Agricultural Credit Project of Lucheng Rural Commercial Bank, Zhangze Rural Commercial Bank, and Yangcheng Rural Commercial Bank. He also led the development of the expert models decision engine of micro lending and agricultural lending. In May 2017, he takes the position of Chief Manager of Risk Control and Modeling Department in F-Road. He graduated from Mykolayiv State Agrarian University in Ukraine with a master’s degree in Business Administration.
Robert Scheunpflug
Deputy Manager of Smart Credit Department/ Senior MSE expert
He has 12 years of experience in small and micro lending project consulting, small and micro enterprise lending and individual lending in China and Eastern European countries. Since 2005, he worked for German International Project Consulting (IPC GmbH) as one of the first generation of IPC credit experts to enter China. He was mainly responsible for small and micro lending consulting projects in several rural commercial banks, including Suzhou Bank, Ningbo Yinzhou Rural Commercial Bank, etc. and participated in 25 downscaling projects, that in total disbursed a portfolio of 100 billion RMB of micro loans. In 2013, he co-founded Silkroad Business Consulting Ltd. Co (SBC), which was founded based on IPC Technology and established to serve the regional banks,where he was holding positions of CEO and senior bank advisor. Since May 2017, when F-Road acquired SBC, he acts as deputy manager of the Smart credit department. He holds a master’s degree in political science from Humboldt University, Berlin, Germany.
Liao Zhiying
Doctor of Engineering Deputy Manager of Smart Credit Department / Senior Risk-Control Expert
Dr. Liao is a senior risk control expert and chief bank advisor with experience in small and micro credit project consulting, small and micro loans, and rating of small and micro institutions in China, East Asia, and Africa. In 2005, she worked for Germany IPC as the first generation of IPC credit experts to China. She was mainly responsible for the micro-credit consulting projects of China’s regional banks, including Taizhou Bank, Baoshang Bank and Guiyang Bank, she participated in projects of 30 banks and projects, managing a micro loan portfolio of up to 100 billion RMB. In 2008, she worked at China Development Bank as an expert of micro-credit technology training. In 2013, she co-founded the Silkroad Business Consulting Co., Ltd., based on IPC technology serving regional banks. She has participated extensively in credit risk management projects at home and abroad including the World Bank, IFC, Frankfurt School of Finance Management, InterChina Consulting, Planet Ratings, MicroFinanza Rating, and has extensive experience in the field of inclusive finance. After F-Road acquired SBC in May 2017, she serves as deputy manager of F-Road’s Smart Credit department. She graduated from Dortmund University in Germany with a Ph.D. in engineering.
Vitaliy Abayev
Chairman Assistant/Head of Financial Cooperation Department/Senior Bank Consultant
He has 20 years of experience in banking and project consulting in China and Eastern Europe. He has worked in the IPC-led Ukraine Microfinance Projects, and served in Ukraine First International Bank, Piraeus Bank, Swedbank, Vneshtorg Bank, and Privatbank in Senior management positions, including branch manager and general manager of the retail department, etc. Since 2015, he started to work in China. He has led the MSE projects in Shanxi Shanyin Rural Commercial Bank, Ningbo Zhenhai Rural Commercial Bank, and Henan Xiuwu Rural Commercial Bank.When he joined in F-Road, he started to work as the assistant of chairman and lead the financial cooperation department. He graduated from Pridneprovsk State University with a master’s degree in finance.
Oleksiy Krysynskyy
Chief Manager of Risk Control and Modeling Department / Smart Credit Department
He has 12 years of banking and project consulting experience in China and Eastern Europe. He had worked for Ukrainian Kreditprom Bank and served as general manager of the Micro Finance Department. He started his work in China in 2013 and successively led the Agricultural Credit Project of Lucheng Rural Commercial Bank, Zhangze Rural Commercial Bank, and Yangcheng Rural Commercial Bank. He also led the development of the expert models decision engine of micro lending and agricultural lending. In May 2017, he takes the position of Chief Manager of Risk Control and Modeling Department in F-Road. He graduated from Mykolayiv State Agrarian University in Ukraine with a master’s degree in Business Administration.
Core Technology
F-Road Credit Team has over 12 years of experience in the promotion classical micro-lending technology, served more than 100 institutions and managed more than 100 billion portfolios. F-Road core expert team is the first generation of experts to be introduced in China for IPC credit technology. In the process of the IT-lization and Intellectualization of IPC core credit technology, F-Road possesses and launched patent applications for two core technologies.
Analytical Technology --- Smart Questionnaires
Expert Model Decision Engine Based on Emtool + AI Algorithm
Implementation Cases
2017.9 2017.11 2017.11 2018.1 2018.3 2018.3 2018.4 2018.4 2018.5 2018.6 More banks are in the contract signing process.