Credit Risk Management

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Leading the field in big data analytics...

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....

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Financial services regulation: Navigating the perfect ...

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...

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The Mortgage Market review: Six months on…...

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 c...

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Stress tests are here to stay, are you prepared?...

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

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Rental data: Expanding financial access and inclusion...

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 ove...

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Personal insolvencies fall to pre-recession levels but...

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...

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How do you make financial services relevant?...

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 c...

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2014 brought opportunities and challenges – what will ...

During 2014 we have seen a variety of trends in the credit industry from the threat of rising interest rates, rising house prices and ever increasing regulatory pressure. With so much going on, and so many factors and considerations to take into account 2014 has been a challenging yet...

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New markets = new risk?...

For newly formed companies, or for companies looking to expand their current product offerings, entering a new market can pose a risk. If you don’t have the ability to assess each applicant individually it can be difficult to set an appropriate strategy for taking on new customers. Without this,...

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