Risk analytics

Risk Analytics — LATAM Auto Insurance

Advanced telematics, pricing and loss-prediction models tailored for Mexican fleets and private auto portfolios.

Overview

Finthrive K2 delivers a modern analytics stack for auto insurers across LATAM: telematics ingestion, exposure mapping, claim severity estimation and pricing optimization with explainable models and local calibration for Mexico (MX).

Telematics & mobile data ingestion
Geospatial exposure and fraud scoring
Explainable ML for underwriters and regulators

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Key features

Telematics Scoring

Drive-level risk scores from trip-level telemetry and sensor fusion.

Pricing Engine

Real-time pricing suggestions integrating behavioural and contextual signals.

Claims Severity

Loss prediction models with scenario analysis for reserve planning.

Methodology

We combine domain expertise, local Mexican datasets and open-source tooling to create robust models:

Data ingestion and governance (privacy-first).
Feature engineering with geospatial enrichment.
Modeling with explainability and regulatory readiness.
Continuous monitoring and recalibration.

Selected case studies

Commercial fleet — Puebla

Reduced claim frequency by 18% after telematics-based driver coaching and targeted underwriting changes.

Personal auto portfolio — Mexico City

Improved pricing segmentation, raising portfolio margin by 6% while maintaining retention.

Performance snapshot

Model	Metric	Baseline	Finthrive K2
Claim Frequency	AUC	0.68	0.79
Severity Estimate	RMSE	1.24	0.87
Pricing Uplift	Portfolio Margin	—	+6%

FAQ

We apply privacy-by-design: data minimization, anonymization where possible, TLS in transit, and on-prem or private cloud options. All processing aligns with local MX regulations.

Yes. Models are shipped with baseline weights and retraining pipelines; we support transfer learning and local calibration runs using your historical claims and exposure data.

Underwriters receive risk scores, feature-level attributions (SHAP-like), scenario simulations and recommended pricing bands, all surfaced in an interactive dashboard and via API.

Our team in LATAM

Local data scientists, underwriters and product managers in Mexico and Colombia collaborate to tailor models for regional idiosyncrasies.

Local calibration & regulatory guidance
24/7 regional support
Deployment and MLOps assistance

Resources & integrations

Integrations

APIs for policy systems, telematics vendors, and claims platforms. On-premise or private-cloud options available for sensitive workflows.

Integration checklist

Whitepapers

Downloadable studies on telematics adoption in Mexico, loss prediction improvements and pricing segmentation best practices.

Access resources

Model registry (sample)

Name	Type	Last updated	Notes
freq-k2-v3	Classification	2025-03-12	Calibrated for MX urban fleets
sev-k2-v2	Regression	2025-02-07	Severity with external parts-cost index

Ready to modernize underwriting?

Contact our LATAM analytics team to schedule a demo or pilot tailored to your portfolio.

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