This API retrieves the Risk Score of a Book in JSON format. The Ocrolus Risk Score offers a highly analytical approach to predicting the probability of default for borrowers based on cash flow analytics. This endpoint offers the following benefits:

• Make quicker, more accurate lending decisions backed by data - Leverage alternative data effectively to gain a complete view of borrowers and speed up decision making

• Mitigate credit risk - Easily identifying borrowers that are likely to default with the necessary level of context to understand contributors and detractors

• Expand access to credit and approve more loans for borrowers - Having insight into borrowers’ finances and associated risk can help you see opportunities where others only see risk

Async processing

This API supports asynchronous processing. To get the asynchronous result, add async=true in the query parameter to run the request as a background job and receive a job_id immediately instead of waiting for the full response inline. When async=true, the endpoint returns 202 Accepted with a job_id instead of the analytics payload.

Async mode is required for Books with more than 100,000 transactions. Books exceeding 1,000,000 transactions are rejected with 422 (error code 1100). Once submitted, poll
Async job status API to retrieve the result when the job is complete.