# Score for Custom Features
source: https://developer.mastercard.com/consumer-credit-analytics/documentation/use-cases/enhanced-consumer-scores/index.md

Consumer Credit Analytics (CCA) provides lenders with near real-time access to a custom credit score for consumer credit risk and delinquency. The CCS Enhanced score generates scores by leveraging data integration of custom data features along with Mastercard transaction data for customized scoring capabilities for underwriting and credit risk management.

## Pre-requisite {#pre-requisite}

Following are the pre-requisites that a lender needs to have to use this service:

* Consumer identification number or consumer PAN number
* Lender's custom data features to incorporate into the score
* Capture consent from the consumer before requesting the scores through the API

## How it works {#how-it-works}

Diagram bespoke_consumer_scoring

### Following are the execution steps: {#following-are-the-execution-steps}

1. The consumer provides their primary Mastercard card number (if available) or other relevant information in their application to the lender. They also provide consent to the lender to use transaction data and provided information on the card to compute scores.
2. The lender sends the request to the CCA API to obtain the score for the consumer.
3. The CCA application computes the score for the request sent and responds to the lender.
4. The lender uses the score of the cardholder along with other available consumer information to make lending decisions.
5. The lender communicates the credit decision to the consumer.

You will receive an error response for an invalid request or any missing request parameter.

## Sample Request and Response {#sample-request-and-response}

For a sample request and response of this API, see [Retrieve Enhanced Scores](https://developer.mastercard.com/consumer-credit-analytics/documentation/testing/consumer-enhanced-scores-req-res/index.md).

## Use Case Examples {#use-case-examples}

Refer to the following use case examples relating to a real-world scenario:

* [Customer acquisition](https://developer.mastercard.com/consumer-credit-analytics/documentation/use-cases/custom-consumer-scores/index.md#customer-acquisition/)
* [Credit line management of portfolio](https://developer.mastercard.com/consumer-credit-analytics/documentation/use-cases/custom-consumer-scores/index.md#credit-line-management-of-portfolio)
* [Collections strategy](https://developer.mastercard.com/consumer-credit-analytics/documentation/use-cases/custom-consumer-scores/index.md#collections-strategy)
* [Optimized cross-sell and upsell strategy](https://developer.mastercard.com/consumer-credit-analytics/documentation/use-cases/custom-consumer-scores/index.md#optimized-cross-sell-and-upsell-strategy)

### Customer acquisition {#customer-acquisition}

A bank aims to expand its customer base by acquiring new applicants while managing credit risk effectively. CCS offers a transaction-based delinquency score for new applicants, allowing the bank to evaluate the creditworthiness of potential customers.
The bank can, leverage the POST `/bespoke-scores` API to optimize approval rates, ensuring responsible lending while maintaining low credit risk.

### Credit line management of portfolio {#credit-line-management-of-portfolio}

A bank seeks to identify cardholders in their portfolio for credit line adjustments. CCS scores can be leveraged, where a high CCS score indicates a lower-risk cardholder, enabling the bank to increase their credit limit. Conversely, a low CCS score signals higher risk, allowing the bank to consider reducing the credit line to mitigate potential losses.
By using the POST `/bespoke-scores` API, the bank can continuously assess customer risk levels, enabling proactive and data-driven management of their credit line. This further helps in optimizing portfolio performance and minimize credit exposure.

### Collections strategy {#collections-strategy}

Banks want to efficiently prioritize delinquent accounts, assess potential collection losses, and identify the most effective recovery leads. CCS scores enable banks to conduct risk segmentation of their portfolio to identify high-risk customers, allowing allocation of resources more effectively toward borrowers with a higher likelihood of default.
By using the POST `/bespoke-scores` API, banks can develop a data-driven collections strategy, estimating potential losses based on delinquency scores and optimizing recovery efforts.

### Optimized cross-sell and upsell strategy {#optimized-cross-sell-and-upsell-strategy}

A bank wants to identify low-risk customers to effectively cross-sell their financial products and upsell their premium card offerings. A deeper analysis of risk scores enables targeted customer selection, ensuring low-risk segments are prioritized for cross-sell and upsell opportunities.
By utilizing the POST `/bespoke-scores` API, banks can assess cardholder creditworthiness, refining their strategies to maximize customer engagement and revenue.

## Endpoint {#endpoint}


API Reference: `POST /bespoke-scores`