HitchPay Credit turns your transaction data, bureau records, and open banking signals into a real-time credit score for every Nigerian customer — built into the tools your team already uses.
Every day, HitchPay serves thousands of customers with no view of their creditworthiness. Revenue opportunities are missed. Risk goes undetected. Decisions are gut-feel.
BNPL, overdrafts, and loan referrals are off the table without a scoring layer — a major revenue gap.
High-risk customers blend in with good ones. No fraud signals, no early warning, no segmentation.
Months of rich behavioural data — income patterns, savings rates, spending discipline — generating zero credit insight.
MFBs and fintech lenders won't refer business without creditworthiness data. No score, no partnership.
Identity, bureau, transaction data, and alternative signals combine into a single accurate credit score for every customer.
Customer profiles, portfolio overview, risk flag queue, model configuration — all in one place for your operations team.
CBN, NDPC, NDPR, and FCCPC requirements handled from day one. Consent logs, audit trails, and data deletion workflows included.
Request access to HitchPay Credit — built for the risk, operations, compliance, and product teams inside HitchPay.
HitchPay Credit pulls from four distinct data sources, each adding a layer of precision to the final score. Every step is consent-gated, encrypted, and auditable.
BVN and NIN verification anchors every customer to a confirmed government identity. Cross-referenced to detect mismatches that may indicate fraud.
Credit history from CRC and FirstCentral — Nigeria's two CBN-licensed bureaus — retrieved via BVN. Covers loans, repayment records, delinquencies, and loan stacking.
HitchPay's own platform data: income regularity, savings rate, balance consistency, spending discipline, and recurring payment success. The most powerful signal we hold.
Open banking data via Mono Connect for linked bank accounts, bank statement parsing for manual uploads, and digital footprint data for credit-invisible customers.
On sign-up, BVN and NIN lookups are queued via Mono Lookup API. Consent is collected before any external call is made. Identity status is stored immediately.
Once identity is confirmed, credit history is retrieved from CRC and FirstCentral. Loan stacking is detected if a customer has 3+ active facilities across both bureaus.
12 scoring signals are computed from HitchPay's transaction database: average monthly inflow, income regularity, savings rate, balance volatility, recurring debit success rate, and more.
All pillar data is normalised, weighted, and mapped to a 300–850 score. A confidence level and top 5 contributing factors are generated alongside the score. Score is stored and the risk dashboard is updated.
Bureau data and open banking data refresh every 30 days. Transaction features refresh weekly. Significant events — like a large balance drop — trigger an immediate recompute.
Every score is built from five clearly defined data pillars with published weights. Internal teams can see exactly what's driving each customer's score — no black boxes, no guesswork.
Weights reflect the predictive power and data availability of each pillar. Configurable by product managers via the model configuration UI — no engineering deployment needed.
Every customer lands in one of five bands. Each band maps to a defined internal action — from maximum credit access to monitoring mode.
Six core modules for five internal personas — risk analysts, operations managers, compliance officers, product managers, and engineers.
Full credit picture per customer — score, 12-month history trend, identity status, bureau data, open banking summary, risk flags, and a complete audit log. Loads in under 2 seconds.
Score distribution across all customers, bureau coverage rate, risk concentration heatmap, and week-on-week trends. Cached with a 6-hour TTL — fast and always available.
Adjust pillar weights, edit score band thresholds, and trigger a full portfolio recompute — no engineering deployment needed. Every config change is versioned and rollback-ready.
Automatically surfaced alerts for loan stacking, identity mismatches, balance volatility spikes, and unusual transaction velocity. Prioritised by severity, assignable to analysts.
Full consent log, data lineage records, and third-party API call history. Two-tab interface: Consent Log and API Call Log. Exportable CSV for CBN or NDPC regulatory submissions.
NDPR-compliant right-to-erasure processing. One workflow removes credit data across all tables, revokes Mono Connect tokens, and records completion in the deletion audit log.
Reviews customer credit profiles, investigates risk flags, approves manual loan referrals, and adds internal notes. Lives in the customer list and flag queue.
Monitors portfolio health via the overview dashboard, manages escalations, sets credit policy, and exports filtered customer lists for offline review.
Owns the scoring model weights. Configures pillar weights and band thresholds, triggers recomputes, monitors score distributions, and runs A/B experiments.
Manages the compliance audit module. Processes data deletion requests, exports regulatory reports, tracks consent records, and manages the NDPC data register.
Manages API integrations, monitors pipeline health, handles webhooks and scoring events, and maintains the data ingestion crons.
Views portfolio metrics, credit product eligibility rates, risk trend summaries, and bureau coverage growth — without operational access.
HitchPay Credit was designed around CBN, NDPC, NDPR, and FCCPC requirements from day one — not retrofitted after launch. Every data touchpoint is documented, auditable, and consent-gated.
Explicit consent required before every bureau query. Timestamped, immutable, and auditable at any time via the compliance module.
BVN and identity data encrypted at rest (AES-256). Lawful basis documented. Right-to-erasure workflows built in. Data retention schedules enforced automatically.
HitchPay registered as a data controller with the Nigeria Data Protection Commission. Annual data protection audit. NDPR compliance tracked internally.
Score explainability surfaced for every score — top 5 contributing factors visible to analysts. Internal dispute resolution workflow for score challenges.
Transaction velocity signals are baked into the scoring model. High-risk flags auto-route to a compliance review queue for human assessment.
Score history retained 7 years. Raw bureau responses auto-purged after 2 years. Customer deletion requests completed within 48 hours, with full audit confirmation.
Required before bureau API calls can go to production. Coordinate with legal and compliance. Both bureaus require CBN-approved data subscriber status.
HitchPay must be registered with the Nigeria Data Protection Commission before processing personal credit data at scale. File before platform launch.
If HitchPay will extend credit directly, a CBN licence is required. Without it, the platform is informational only — scoring and referrals are permissible, direct lending is not.
No bureau or identity API call can be made without a valid consent record. The consent service must be live before any integration goes to production.
Privacy policy must disclose all data sources used in scoring: bureau data, open banking, alternative signals, and digital footprint. Legal review required.
Any credit disbursement triggers CBN AML obligations. The transaction velocity monitoring must be active and connected to the compliance review queue before go-live.
Confirm that a deletion request removes data from all tables, revokes third-party tokens, and generates a completion audit record. NDPR mandates 48-hour completion.
Contact the HitchPay product team to request access to the Credit Intelligence platform.