Credit Risk Management

Approaching the customer journey through more efficient statistical models

Posted on May 26 2015 by

From marketing and origination to customer management and collections it is now more critical than ever to provide the best quality of service to your clients. Statistical models have been proven to help organisations make decisions based on predictions across the customer life cycle. Building these models, however, can be very challenging from both a […]

Be more agile with an automated collections process

Posted on May 19 2015 by

Being prepared for potential spikes in collections demand is essential to maintaining an agile and responsive organisation. Our four steps to a more automated process may seem simple, but could make all the difference when it counts.

Are you filling in the data knowledge gaps?

Posted on May 11 2015 by

Reaching more people and growing market share remains a top priority for many lenders to ensure growth targets are met with a forward-thinking, progressive strategy for the next few years. The approach is underpinned by putting customers firmly at the centre of the business strategy, making it more possible to cross-sell, upsell and market appropriate […]

Ensuring that affordability assessments are never a road block to automotive sales

Posted on May 11 2015 by

If affordability assessments are not yet compulsory in the automotive industry, then why do them? The fact is that such assessments have been shown to provide major benefits for both companies and customers alike.

Treating customers fairly through the collections process

Posted on Apr 23 2015 by

It has always been important to treat customers fairly, but never before has there been such a regulatory focus on customer centricity across all aspects of business. Here are four steps to reviewing your existing collections processes.

How automotive finance providers can put customers first with affordability assessments

Posted on Apr 08 2015 by

Affordability assessments are not yet compulsory in the automotive industry, like they are for other forms of credit; at least for now. That means you can decide exactly who to lend to, and on what terms, without any set guidelines from the FCA or other regulators. It sounds like great news – but is it really?

Data Breach Response: Are UK Businesses Ready for Anything?

Posted on Mar 17 2015 by

Nearly one in five businesses (17%) have been hit by at least one data breach within the past two years – leaving millions of consumers exposed to the risk of fraud and ID theft.

Inside Credit Services

Posted on Feb 23 2015 by

Around the world, demand for Experian’s expertise in managing credit risk keeps on growing. Our latest documentary uncovers how we’re making a difference in people’s everyday lives. View this short segment of Inside Experian to hear more about how Experian Credit Services are applying a long experience of safeguarding sensitive data to aid credit decisions. View the […]

Neutralise hidden risks in your mortgage book

Posted on Jan 30 2015 by

By putting data at the heart of their decisions, mortgage providers can be confident that they are making responsible lending decisions and protecting the people they are lending to, while at the same time achieving sustainable growth and profitability.

How lenders can make customer relationships personal

Posted on Jan 05 2015 by

On its own, credit data can’t help you deliver the personalised, proactive service your customers want. You also need to understand the full picture of each individual person to return the human element to financial services