Key Insights: Built custom credit scoring and churn prediction models, enabling loan disbursement to eligible partners in under 48 hours and driving retention in the fintech expansion of a leading delivery platform.

About the Client

PedidosYa, part of Delivery Hero, is the leading food delivery platform in Latin America and operates in over 50 countries worldwide. Partnering with 500,000+ restaurants, the company employs more than 5,000 people and has a market valuation of over $3 billion. Recently, it expanded into the fintech space to offer new financial products to its B2B partners.

The Challenge

PedidosYa identified an opportunity to offer B2B loans to eligible partner stores in a market where access to financing for micro, small, and medium-sized enterprises is limited and expensive.

The goals were to:

• Increase partner loyalty and reduce churn.
  
  
• Differentiate the platform from competitors.
  
  
• Deliver a frictionless loan application and disbursement process.
  
  

Marvik’s Approach

We partnered with the client to develop:

• Credit scoring models to evaluate the probability of default.
  
  
• Churn prediction models to anticipate partner attrition risk.
  
  

The solution included:

• A backend analytics tool for loan tracking and monitoring.
  
  
• A frictionless application workflow allowing credit disbursement in less than 48 hours.
  
  
• Payment collection via direct debit from the partner’s bank account or debit card.
  
  
• Model explainability features, using metrics such as Expected Maximum Profit and utility matrix to guide loan decisions.
  
  

The system was built with Python, TensorFlow, Keras, Google Vertex, Airflow, and BigQuery.

The Results & Impact

• MVP for the first country completed in three months, with loans issued immediately after launch.
  
  
• Subsequent expansion to additional markets.
  
  
• Strengthened partner engagement by providing accessible financing.
  
  

With 2.5 billion unbanked people globally and fewer than half of the banked population eligible for lending, AI-powered credit scoring opens a significant market opportunity.

Why This Matters

By combining credit risk assessment with churn prediction, PedidosYa can both protect loan portfolios and strengthen partner relationships, using AI to turn financial services into a driver of platform loyalty.

‍