Risk Management
Chery Auto Finance needed to raise risk-control automation fast enough to match 50% business growth, support more complex multi-brand lending, and manage both customer and dealer risk without expanding approval headcount.
Reported impact
Chery Auto Finance raised approval automation, handled 50% business growth without adding approval staff, preserved bad-loan performance despite a riskier business mix, and improved dealer risk-management efficiency through a centralized digital risk stack.
Tencent Cloud helped Chery Auto Finance build a risk middle platform around Tencent Decision Platform so risk control could run as a shared digital service. The implementation combines data scheduling, model deployment and optimization, and daily risk operations in one stack that supports the full lending lifecycle. Customer and dealer application data flow through the shared layer, where model-driven decision logic produces agile tools for partners, regional centers, business units, and management. The platform supports Chery's A-card, B-card, and C-card strategies while automating dealer risk management. By joining mature big-data techniques with model governance and operational workflows, the system lets Chery keep pace with rapid business growth, raise approval automation, and preserve asset quality across higher-volume, higher-risk lending.
Customer and dealer business data enters the shared data scheduling layer, where Tencent Decision Platform applies risk models and strategies managed through the deployment and optimization layer. The resulting decisions feed approval workflows, customer A/B/C card operations, dealer risk management, and daily monitoring used by Chery's partners, regional centers, business departments, and management teams.
Chery Auto Finance's business volume has expanded at 50% growth in recent years, creating an urgent need to significantly improve automated risk control (original: 奇瑞汽车金融业务量近年以50%的增速拓展，亟需大幅提升自动化风控水平).
Tencent Cloud built a digital and intelligent risk-management platform that integrates data scheduling management, model deployment and optimization management, and daily risk management (original: 为奇瑞金融搭建了集数据调度管理、模型部署与优化管理、风险日常管理三为一体的数智化风险管理平台).
The intelligent decision platform supports customer A-card, B-card, and C-card operations and dealer automated risk management (original: 智能决策平台不但支持了对客风控的A卡B卡C卡运行，也同时支撑了对经销商的自动风控管理).
The platform provides one-click agile risk-management tools for partners, regional centers, business departments, and management, greatly improving Chery's risk-management level (original: 平台为奇瑞金融合作伙伴、各作战大区、各条线部门以及管理层提供一键式敏捷风险管理工具，大大提升了奇瑞金融的风险管理水平).
With no change in approval-team size, the system supported 50% business growth and kept bad-loan levels flat even as higher-risk multi-brand business grew (original: 在审批团队人员规模没有变化的情况下，支持业务量增长50%…保持不良水平与往年持平).
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