SnA is a business analytics consultancy based in Istanbul, Turkey with active projects in the EMEA region. SnA helps bluechips understand their transaction level history and produce predictive analysis and forecasts.
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There is a total of 2.7M customers with a volume of 45.4 billion TRY used Consumer Loans and Housing Loans in the first quarter of 2019. Technological developments and AI are big game changers for banking companies as customers begin to prefer digital experiences and fast solutions. The banks that can keep up with digitalization and customer needs will survive and profit. SnA works with commercial and participation banks on Credit Scoring, IFRS processes, and CRM subjects.


Underwriting Decision Flows
Developing end-to-end processes starting by the assessment of existing decision support systems
Expected Credit Loss (ECL) Calculations
Implementing statistical approaches to assign expected losses instead of incurred ones
Income Estimation
Validation-ready models for assigning income level for individual banking customers to help manage credit lines
Credit Risk Analytics
Developing and validating credit risk decision trees to enforce systematic credit line assignments
Credit Risk Scoring
Supporting banks on where to stand between risk and gain by mashing regulative context with data mining implementations to design scorecards
CRM Analytics
Mashing business domain knowledge with intensive data mining implementations to produce customer level sales predictions for incremental revenue generation and also increasing customer lifetime value by reducing churn
Auto-limit Process Design
Providing consistent, satisfying customer experience by automated process decisions
Collection Scorecards
Optimizing collection processes to differentiate actions for different customer groups
Behavioral Scoring
Maximizing value from banks’ internal data to optimize credit processes
IFRS9 Processes
Supporting banks to effectively complete regulative requirements