VDC Variable Derivation Platform
Expert feature design that turns detailed records into interpretable variables
VDC turns our variable-design expertise into a product. Sitting between data and models, it continuously feeds high-quality features to SAM modeling and DH S1 real-time decisions. The five-dimension method is industry-neutral — banking, FMCG, pharmaceuticals or any business with time-stamped records — and 20,000+ variables come preloaded for finance.
Time + product + status + value + statistic
Every derived variable combines five dimensions: over which time window, for which product or category, for records in which status, taking which value, with which statistic. The same method generates interpretable variables in bulk from detailed records in any industry.
One method, variables for three industries
Each example below takes one variable to show how the five dimensions apply to different industries’ data.
In finance, fifteen dimensions for a fine-grained view of every customer
The finance library applies multi-dimensional design to personal credit reports, tax, invoices, bank statements, scenario and third-party financial data, yielding 20,000+ interpretable variables with proven KS. They quantify ability and willingness to repay, and trace changes in behavior before, during and after the loan, and in marketing response.
- 01Borrowing self-discipline
- 02Repayment capacity
- 03Leverage
- 04Debt growth and appetite for new credit
- 05Revolving-credit expansion
- 06Historical delinquency
- 07Recent signs of easing delinquency
- 08Unusual credit behavior
- 09Ratings by other institutions
- 10Resilience to unusual events (job loss, illness, accidents, divorce, business failure)
- 11Business continuity
- 12Status of the controlling owner
- 13Collection cycles and volatility
- 14Profit and volatility
- 15Customer-base migration
Between data and models
VDC cleans and derives variables from your sample, product, transaction and operational data, feeding both SAM model building and DH S1 real-time decisions.
Every SAM feature, online, for up to 10,000 samples
Upload up to 10,000 records and run the whole fourteen-step pipeline — data contract to packaged scorecard, human gates included — to see for yourself whether SAM fits your business.
Start with one business question. Let SAM deliver a model you can sign off.
Whether you are in banking, FMCG and marketing, pharmaceuticals or another industry, try SAM online first — or talk to our modeling experts about your use case.