Trusted by the leading financial innovators

Verify income and accelerate credit decisions
with employment data


Uplift on GINI coefficient

+ 10%

Approval rates increased


Successful data connections


CURPs successfully processed this year in Mexico

The most complete offer of employment data in Latin America


Leverage IMSS’ data to verify income

Add an extra source of information to verify the income of Mexican workers with employment data. Accelerate your credit decision processes and offer tailor-made credit products for consumers with little or no traditional credit history.


Official employment data as a new source to verify income

Identify the salary and work history of Brazilian contributors using employment data. Speed up your credit analysis process and make more assertive decisions.


Retrieve data from PILA to verify Colombian workers’ income

Access granular data from PILA to deliver month-by-month insights about your users’ employment and income situation through a high-trust flow that does not require sharing banking credentials.

Validate income with employment data and
speed up lending processes

Reach new audiences without a credit history

Between 20% and 30% of credit applications are rejected due to lack of credit history in credit bureaus. Reduce the number of rejected applications due to ‘no-hit’ or the need for physical document submission and contribute to improving financial inclusion.

Through Belvo, you can also analyze the income of your current clients via employment data. This way, you can reevaluate previously rejected applications from clients for whom you had not been able to estimate income.

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Streamline credit decisions

Incorporate official employment data as a new source to verify income 100% digitally. Eliminate manual processes and simplify the credit application process with an automatic consultation of work history.

To check work-related data, customers only need to go through a highly secure flow that does not require sharing banking credentials.

Enhance your risk models

Unlike credit bureau data or information provided by users, employment data accurately represents users’ incomes. This includes precise details about past, current, and exact salaries of employees, as well as enriched data on the evolution of their job status.

Thanks to this, you can improve the accuracy of your models and offer credit proposals and payment terms tailored to the user’s needs. And since your evaluation of the user will always be up-to-date, you can adjust your credit lines if their job situation changes.

Employment score

The value of IMSS data summed up in a score

Tailor-made for lenders

The employment score, based on employment data and work history in IMSS, represents a person’s employability and income generation capacity to improve lenders’ risk models.

A higher score, between 300 and 900, indicates greater employability and income generation capacity at 3, 6, and 12 months. Lenders can use it in their scoring models to improve risk prediction and users’ ability to pay to expand access to credit in Mexico.

How it works?

Invite users to connect their account

Explain to your users the benefits of connecting their employment data.

Users connect to their account

They only need their CURP or CPF to authenticate.  

Safely access users' information

Retrieve social security and working history data.

Make a credit offer after verifying income

Determine users’ working situation and offer them a tailor-made loan proposal. 

Belvo’s employment data plays a pivotal role in our acquisition funnel. We leverage IMSS data for our product of fine-tuning credit lines, tailored to reflect the user’s actual income.
By integrating employment data, we’ve seen a significant increase of approximately 20% in the allocated amount of the credit line.

Miguel Ángel García Llaven

Credit Card & Consumer Credits Acquisition Lead

We can’t wait to hear
what you’re going
to build

Belvo does not grant loans or ask for deposits