Credit Risk Management

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Customer acquisition: under the microscope...

Regulation, cost pressures and increasing complexity are all adding to credit teams' challenges. Nick Vanstone, Experian Decision Analytics Consultant, looks closer at the challenges of acquiring...

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Spanish Bale-in: a lesson in risk & exporting...

In a single transaction Britain’s balance of trade swung £86m in the right direction at the beginning of September when Welsh footballer Gareth Bale was sold to Real Madrid by Tottenham Hotspur. It was the biggest transfer deal in football history, once again highlighting the international nature of the...

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Business Insolvency Index – Large companies buck...

Experian’s latest monthly Business Insolvency index shows that, overall, the level of business insolvency in the UK continues to decline. 0.08% of UK businesses went under in July, down from 0.09% in July 2012. This was the third consecutive month that the rate was lower than the corresponding months...

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6 questions to ask about your database, today!...

Every business that deals in B2B marketing needs a database of customer and prospective customer details. It’s time consuming and it’s not the most exciting job but the reality is that data is a vital link between you and your customers and potential new customers. Neglect it at your...

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7 Steps to a heavenly commercial credit score...

Asked for a list of business priorities, most SME owners probably wouldn’t put “managing my commercial credit score” anywhere near the top. Those who don’t pay attention to this increasingly important indicator of their firm’s financial health are missing a trick....

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Data and the board...

Credit risk has become a strategic issue. There has never been a time at which customer insight has been so closely reviewed at board level. Read on to see how financial institutions can adopt new data sources to improve their bottom...

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Affordability is paramount: the latest personal insolv...

The annual fall in personal insolvencies is certainly a positive picture, but the quarter on quarter change highlights that there are areas still struggling. With Conduct Risk being a subject at the forefront of minds within the lending community, it shows how individual circumstances can change at any time...

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Financial services reaches the front line...

To improve armed forces personnel access to financial services so they are not disadvantaged through residing at military addresses, steps have been taken so that British Forces Post Office (BFPO) addresses follow a similar format to standard UK addresses, read more to understand the latest position and...

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Improving conditions allow mortgage approvals...

The economic environment is beginning to show some signs of revival despite underlying fragility - reflected by improving conditions for mortgage...

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