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With over 2 years of experience, Shanky Finance Company provides comprehensive mortgage loan and homeowner's association (HOA) account servicing, unparalleled customer service, tailored portfolio management reporting, backup servicing and delinquency collections for HOAs, financial institutions, consumer finance, corporations and other organizations.
Shanky Finance goes beyond conventional forms of risk analysis of the borrower in order to serve a broader user base. Banks typically look at CIBIL or other credit bureau scores to make loan decisions. Shanky Finance takes into account 1000s of data points to assess the creditworthiness of the borrower such as net salary, expenditure trends, locality of stay, educational qualification, utility and mobile bills, asset holding, Investments, Credit card bills and online spending behavior etc. This approach ensures that individuals with a less favorable CIBIL score are also likely to get a loan through our platform if they are credit worthy as our proprietary machine learning algorithm generates a more holistic credit profile of the borrower.