Credit Risk Management

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

Leading the field in big data analytics

Posted on Dec 29 2014 by

Using big data to create actionable business insight requires the right blend of specialist big data analytics skills, and secure, powerful big data infrastructure. At Experian, we bring all the ingredients together in the form of DataLabs to help you increase your success.

Financial services regulation: Navigating the perfect storm

Posted on Dec 22 2014 by

To navigate the perfect storm of financial services and privacy regulation, we have a common challenge. Both lenders and Credit Reference Agencies (CRAs) need to explain effectively and consistently to both regulators and customers how they use personal data when making decisions about consumers.

The Mortgage Market review: Six months on…

Posted on Dec 18 2014 by

It’s now six months since the new lending rules came into force. So has the Mortgage Market Review (MMR) contributed to a more sustainable market that serves the needs of customers better or has it added confusion to an already complex choice?

Stress tests are here to stay, are you prepared?

Posted on Dec 18 2014 by

The BOE published the results of its first ever ‘concurrent’ stress testing exercise. The economic scenario applied in the stress test was severe.

Rental data: Expanding financial access and inclusion

Posted on Dec 15 2014 by

Despite new technologies and widespread innovation in financial services, there are still a lot of people who are ‘underserved’. Lenders and society alike could be missing out on a huge opportunity if this population continues to be overlooked.

Personal insolvencies fall to pre-recession levels but who is still vulnerable?

Posted on Dec 10 2014 by

New figures published by Experian, illustrating where and for whom UK personal insolvencies are most prevalent, reveal the number of people being declared insolvent has fallen to pre-recession levels, with some towns showing markedly improved rates compared to the same period last year. Despite these findings, the figures also highlight the vulnerability facing young families.

How do you make financial services relevant?

Posted on Dec 05 2014 by

Over the last 15 years, many industries have been disrupted by the flood of information that the internet brings – and those that have embraced it have become highly relevant to their customers.