Employment metrics
Employment data ready for your risk models
Turn uncertainty into confident credit decisions.
Access key information about your customers’ employment history and income to confidently offer credit.
Trusted by the leading financial innovators
BENEFITS
Minimize credit risk
Our metrics provide a clear view of your customers’ employment stability and career trajectory, helping you assess their real repayment capacity.
Grant credit with confidence
Get a transparent understanding of your customers’ employment history and stability to evaluate their true ability to repay.
Save time and resources
Metrics are pre-calculated and ready to be easily integrated into your processes. Simplify working with IMSS data by receiving actionable and useful insights.
Save time and resources
Enhance credit bureau data with more robust and inclusive variables to assess applicants with no credit history and give them a fair opportunity.
Simplified employment data for practical analysis
We transform complex IMSS data into over 30 ready-to-use metrics. Instantly understand your users’ current employment status and analyze their work history to see the total number of weeks they’ve worked.
Evaluate patterns over time. Measure job stability through employment change frequency, and track salary evolution by identifying trends in increases or decreases. This complete view enables faster, fairer, and smarter credit decisions.
Proven results to boost your decision-making
20%
Increase in credit lines
By integrating employment data into origination models, companies have achieved up to a 20% increase in the amount of credit granted.
65%
Of verified users receive an offer
Financial companies see that up to 65% of users who verify their income through Belvo receive a credit offer.
73%
AUC reach for risk models
When included in risk models, our employment metrics reach an Area Under the Curve (AUC) of up to 73%, improving repayment prediction.
How it works
Connect to data or run a backtest
Access real-time IMSS employment data through our API or send us a database with your users’ CURPs for analysis.
Access ready-to-use metrics
Get over 30 pre-calculated metrics like work history, salary progression, and unemployment periods.
Integrate variables into your processes
Use the metrics to feed your models and make better decisions—via API integration or a no-code solution.
Related content
Integrate employment data into your platform
Access data from Mexico’s official employment source with Belvo and take your credit risk models to the next level.
Get notified about relevant employment changes
Allow your credit risk team to use Belvo as a copilot and get notified about significant job changes, such as promotions or layoffs.
Predict employment status with our Score de Empleo
Improve your credit models with a score that reflects your customers’ employability and income-generating capacity.
We can’t wait to hear
what you’re going
to build
Belvo does not grant loans or ask for deposits