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01Case study

Risk-Based Pricing Engine

Everyone had been priced the same way. Built the engine that reads a customer's risk multiple and returns the terms matching it, so a stronger applicant gets better terms and pricing stops being one number for everybody.

  • Money factor derived per customer
  • Premium tiers matched to a risk multiple
  • Quotes and real terms from the same engine
Sector
Consumer finance · Underwriting
Scope
Risk-based pricing, quotes, terms
Stack
Node.js, MongoDB
Status
In production
  • Node.js
  • MongoDB
  • Hapi
  • Pricing
Per customer
pricing, derived from that customer's own risk multiple