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Harnessing the power of data to deliver unmatched insights, consulting and process automation solutions.

We offer individual, client-specific solutions for your business to help you achieve the most profitable yet sustainable business outcomes.

Access to Data

Fully owned by SIMAH, the largest consumer and commercial credit bureau in the Middle East.

International Knowhow

Data knowledge that crosses borders.

Local Roots

Middle Eastern expertise with localised technology and regional track record.

Better Decisions

Building solutions from data for you to make the best possible decisions across the customer lifecycle.

our solutions

Range of solutions in predictive data analytics to optimise your business strategies and maximise profit.

Qarar Modelling Services

Best Practice Model Management Throughout the Credit Risk Scorecard Lifecyle

  • Data

    ​Data is the raw material behind any successful model development project. Identifying the right data set and deriving the required characteristics is the most crucial step. Our data experts can help you throughout all the steps in your model data preparation phase

    Data Services

    • Data Validation
    • Data Collation
    • Data Wrangling
    • Characteristic Generation
    • Alternate data source assesment
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  • Modelling

    Applying the right analytical technique to the right data set is critical in solving any problem statement. Qarar data science engineers can help you identify the type of model and the most appropriate approach depending on the outcome you wish to predict. Select from a number of different advanced analytical approaches

    Modelling Services

    • Predictive assessment
    • Traditional modelling
    • Machine learning
    • Performance validation andstability
    • Scorecard scaling and calibration
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  • Deployment

    Applying advanced analytics help achieve not only decision accuracy but also speed of decision making. Make sure that you deploy your models in a configurable, easy to use and easy to monitor solution that provides you with the flexibility to fine tune your models when required and the flexibility of defining actions from these models. Automate
    to Accelerate.


    • Executable analytics
    • Decision Smart decision engine on-premise
    • Qarar hosted deployment solution
    • Loan Origination System deployment
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  • Strategy

    Defining the strategies and action to take for every customer interaction is as important as predicting customer behaviors. Our domain industry experts can help design winning customer strategies based on your developed models, embed your models into everyday operations and define actions on each customer.

    Strategy Implementation

    • Tailored Recommendations
    • Policies, Strategies and Cut offs
    • Comprehensive training programs
    • Access to industry experts
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  • Monitoring

    All models have a shelf life and as organizations' reliance on advanced models to make every day critical business and customer decision increase so does the need to make sure the performance and up keep of your models is maintained. Qarar consultants can help you regularly monitor and track key model KPIs and provide regular feedback and recommendation on model


    • Tracking and monitoring
    • Scorecard performance
    • Data storage for future builds
    • Recalibration
    • Scorecard reweight
    • Alternate data source assesment
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Awards and Accolades

SME Awards 2021 Highly Commended

SME Awards 2021 Finalist
Cigna People and Culture of the year

SME Awards 2021 Finalist
B2B Small Business of the Year

  • Qarar came out far ahead compared to other companies looking to do business with us.
  • Qarar worked with us through and through on our journey of launching our consumer bank.
  • Qarar was patient and created a dialogue with us in their process of helping us build scorecards for our customers.

Aamir Kureshi – Head, Global Consumer Banking

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Our Partners

Products complementing our product and service offerings, for total competitive advantage.

Would you like to find out how Qarar’s products, solutions, and technical support can help your business achieve rapid and sustainable development?