Employment score
All employment data, summarized in a single score
Improve your credit models with a score that reflects a customer’s employability and income-generating capacity in Mexico, based on their employment history from IMSS.
Trusted by the leading financial innovators
Mucho más que un score
Built for risk experts
Your perfect ally to make better credit decisions and enrich your own models with employment data..
Predict repayment capacity
Knowing whether your users will be able to repay is key to decision-making. Add employment data to your models to better understand their ability to pay.
Boost credit applications
By improving your risk assessments, you can confidently increase the number of approved applications.
Integrate via API or no-code
Easily integrate the employment score through our API or using our no-code solution.
Employment updates
Predict a worker’s employment status and income
Designed for credit experts
The employment score predicts a candidate’s future employment condition and income, based on their employment history and data from IMSS.
¿Cómo funciona?
Our model returns a score between 300 and 900 for three time periods: 3, 6, and 12 months. The higher the score, the greater the person’s ability to maintain employment and generate income during the selected period.
Invite users to connect their account
Let your users know the benefits of connecting their employment data to your application.
Belvo’s model processes the data
The employment data is fed into Belvo’s model, which predicts the user’s future employment status and income.
Score output
The model returns a score—from 300 to 900—based on the user's employment history and data from the Mexican Social Security Institute (IMSS).
Smarter credit decisions
The score complements credit bureau data and internal models, helping lenders make more accurate and informed credit decisions.
Thanks to Belvo’s employment score, we can better predict the employment status and income of our applicants—and, therefore, their repayment capacity. We’ve implemented it as an additional input to our credit models, enabling us to improve originations using IMSS data provided through Belvo.
Viviana Gómez – Country Manager at Dineria
Guías y documentación relacionada
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.
Employment metrics ready for your risk models
Access key information about your customers’ employment history and income to confidently offer credit.
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.
We can’t wait to hear
what you’re going
to build
Belvo does not grant loans or ask for deposits