Scorista
Scorista is a B2B credit scoring and underwriting automation platform that uses machine learning and a 25,000+ predictor library to deliver instant credit decisions, antifraud screening, and risk analytics for non-bank lenders and microfinance companies, distributed via API and software partner channels.
- Company typePrivate
- Founded2014
- HeadquartersMoscow, Russia
- Headcount11–50
- GTM typeB2B
- OfferingSoftware
What Scorista does
Scorista (LLC SCORISTA, registered June 2014, Moscow) is a B2B credit risk technology provider focused on the non-bank lending and microfinance market. The company combines professional scoring methodologies with machine learning to deliver instant credit decisions, antifraud screening, and underwriting automation to lenders that originate small-ticket, short-duration loans (described as up to $3,000 for up to 12 months). Scorista's product portfolio includes a core Credit Assessment module plus add-on modules: Underwriting Plan (optimal loan term optimization), Verification Plan (automated borrower questioning), Individual Scoring (custom models with guaranteed KPIs), a Variables library of 25,000+ predictors used for scorecard development, and a Dossier product that aggregates government, telecom, and social network data for borrower profiling. A Collection Scoring module is listed as under construction.
The platform is delivered via API or web interface and integrates with client CRMs. The company claims its analytical library contains 25,000+ predictors spanning borrower data, SMS-based variables, RTB data, ATM variables, and social network analysis, with disclosed uplift of 8–18 GINI points. Its technology stack includes gradient boosting models (CatBoost, XGBoost, LightGBM) in ensemble configurations, with reported Kappa values of 0.40–0.47 in customer behavior prediction competitions.
Scorista's go-to-market is API-first with a freemium entry point (free month of testing or 200 borrower applications) and a money-back guarantee if outcomes are unsatisfactory. Distribution runs through a software partner network (1C-Rarus, Brainysoft, Terrasoft) and a credit broker network that includes Equifax Russia and LeadTarget. The company reports 391+ satisfied clients, 46,401,185+ credit decisions processed, and claims an average 390% annual revenue growth for three consecutive years. Geographic footprint covers Russia (HQ), China, and Kazakhstan, with stated intent to reach 24 markets. Total disclosed funding across five rounds (2014–2018) is approximately $597K from Russian business angels, Life.SREDA, Moscow Seed Fund, IIDF, and Starta VC.
Scorista firmographics
Firmographics- Name
- Scorista
- Legal name
- SCORISTA LLC
- Website
- https://scorista.com
- Company type
- Private
- Founded year
- 2014
- Operating status
- Operating
- Headcount range
- 11–50 employees
- Short description
- Scorista is a B2B credit scoring and underwriting automation platform that uses machine learning and a 25,000+ predictor library to deliver instant credit decisions, antifraud screening, and risk analytics for non-bank lenders and microfinance companies, distributed via API and software partner channels.
- Ownership category
- akta.pro rank
Where Scorista is headquartered
LocationHeadquarters
- HQ city
- Moscow
- HQ country
- Russia
- HQ region
- Europe
Offices3 records
Markets served
Scorista business model
Business model- GTM type
- B2B
- Offering type
- Software
- Cost components
- Technology or R&D, Personnel, Marketing or Sales, Operations, Infrastructure
Revenue model
- Credit Assessment Services: Subscription or usage-based model for credit scoring, underwriting, and antifraud services. Clients can access via API or web interface integrated into their systems.
- Individual Scoring Models: Custom scoring model development with guaranteed KPI achievement. Includes free validation for 12 months with constant adjustment based on application flow intensity.
- Variable Kits: Scorecard development kits with pre-built variables that credit companies use to create their own scoring models.
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Freemium | Monthly | Free testing period |
| Outcome Based/ Performance | Monthly | Results guarantee |
Go-to-market motion1 record
Distribution channels4 records
Marketing channels4 records
Scorista product offering
Product offeringCore offering
Scorista provides a credit scoring and risk management service for non-bank lenders and microfinance organizations, delivered via API or web interface. The core Credit Assessment solution combines professional scoring methodologies with machine learning to deliver instant Approve/Deny credit decisions, antifraud checks, and an analytical library of 25,000+ predictors, with a money-back guarantee and KPI achievement commitment.
Product overview
SCORISTA is a credit scoring service for microfinance and non-bank lending that provides a modular platform combining professional scoring methodologies with machine learning technologies. The core Credit Assessment solution delivers instant credit decisions with antifraud and risk management capabilities, while supplementary modules include Underwriting Plan for optimal loan term calculation, Verification Plan for automated borrower verification, Individual Scoring for custom KPI-aligned models, Variables (25,000+ predictors for scorecard development), Dossier for comprehensive borrower information, and Collection Scoring for debt recovery optimization. Clients can access services via API or web interface with guaranteed results in 1-3 months.
Differentiator
Problem solved
Functional benefit
Products and services
- Credit Assessment (Scoring) Core credit scoring solution combining professional scoring methodologies with machine learning to deliver instant Approve/Deny credit decisions, antifraud control, and risk management for microcredit companies, P2P platforms, and banks. Accessed via API or web interface.
- Underwriting Plan Module that calculates optimal credit parameters and terms for each borrower profile. Automatically offers alternative risk-free loan options for clients who would otherwise be declined, enabling incremental revenue from previously refused applicants.
- Verification Plan Step-by-step verification tutorial with personalized questions prepared by self-learning machines. Simulates productive verification dialogues to protect against fraud without requiring full underwriter involvement.
- Individual Scoring Custom scoring model development service tailored to a specific credit organization's needs, with a guaranteed KPI achievement (approval rates, issuance targets). Includes free validation and continuous adjustment for 12 months based on application flow intensity.
- Variables Scorecard development kit providing access to 25,000+ predictive variables drawn from borrower details, SMS data (banks, payment services), and RTB internet activity. Improves forecasting accuracy by 8-18 GINI points and reduces scorecard creation time from 10 to 2 days.
- Dossier Comprehensive borrower information report aggregating data from dozens of sources including government databases. Covers offenses, convictions, bailiff data, debt load, passport authenticity, mobile phone validity, residence quality, and social network profiles.
- Analytics Market analytics service for the microfinance industry, including participation in modeling competitions (e.g., 2020 Xiamen International Bank Digital Finance Cup) and research projects.
Quantifiable outcome
- Reduces non-performing loans by 30%
- +4 more outcomes
Companies that use Scorista
Customer profileNamed customers3 records
Segments4 records
Ideal customer profiles2 records
Scorista technology and API
TechnologyTechnology focussed Yes
API detail
- Has API
- Yes
- API docs
- API detail
Core technology
AI maturity
App detail
AI capability10 records
Feature4 records
Scorista partnerships and signals
Strategic signalPartnerships
Six partnerships are on record, tiered core and minor.
- 1C-RaruscoreMajor Russian software company for business automation. Partner providing software integration for lenders.
- BrainysoftcoreLong-term technology partner for credit scoring solutions, actively recommends Scorista to new clients.
- TerrasoftcoreCRM software partner for lenders, part of the software for lenders partner category.
- Equifax RussiacoreCredit bureau providing credit history information as part of credit broker network.
- LeadTargetminorLead generation service for credit brokers, part of Scorista's distribution network.
- Skolkovo FundcoreBecame a Skolkovo Fund resident in October 2015, which led to meeting Chinese entrepreneurs and opening the first foreign branch in China.
Scale indicators7 records
Recent moves8 records
Expansion highlights4 records
Scorista competitors and assessment
Company assessmentMarket position
Weaknesses4 records
Competitive moat4 records
Customer concentration
Scorista social profiles
Digital presenceScorista financial estimates
Financial estimateRevenue estimate
Valuation estimate
Scorista leadership team
Management profileNumber of profiles
Profiles2 records
Scorista subsidiaries and ownership
Company hierarchySubsidiaries1 record
Scorista funding detail
Funding detailFunding overview
Funding rounds5 records
Investors4 records
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
Scorista M&A and investment
M&A and investmentM&A
Investments
M&A and investment is available on the Subscription and Enterprise plan.Contact sales →
Frequently asked questions about Scorista
What does Scorista do?
Scorista provides a credit scoring and risk management service for non-bank lenders and microfinance organizations, delivered via API or web interface. The core Credit Assessment solution combines professional scoring methodologies with machine learning to deliver instant Approve/Deny credit decisions, antifraud checks, and an analytical library of 25,000+ predictors, with a money-back guarantee and KPI achievement commitment.
Is Scorista a public or private company?
Scorista is a private company. It is classified as venture growth investor backed and is currently operating.
When was Scorista founded?
Scorista was founded in 2014. It employs 11 to 50 people.
Where is Scorista based?
Scorista is headquartered in Moscow, Russia, in the Europe region.
How does Scorista make money?
Three revenue lines are on record. Credit Assessment Services are the primary driver. The others are individual Scoring Models and variable Kits.
Does Scorista have an API?
Yes. Scorista offers API integration alongside WEB-interface access, allowing clients to integrate SCORISTA into their CRM systems. The API enables automated credit assessment, instant credit decision preparation, and access to scoring models. Integration is available as an alternative to the web-based interface.