About Natalie Hammond

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Posts by Natalie Hammond

2014 brought opportunities and challenges – what will 2015 bring?

Posted on Dec 04 2014 by

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 hopeful year. There is so much to consider. And this is just a selection of the trends we’ve seen during 2014. It is also expected that some, if not all, will roll into 2015.

There is a wealth of data available – but what data can be used?

Posted on May 07 2014 by

Here at Experian Decision Analytics we use the data at our disposal, our statistical knowledge and our business and market experience, to help lenders ensure they are making informed, and most importantly, responsible decisions on who they lend to. How? Through scorecard developments, policy rule analysis and strategy reviews amongst others. For each aspect of […]

Growth through intelligent marketing

Posted on Apr 29 2014 by

‘Today’s consumers expect a tailored customer experience which complements and supports their needs. And why wouldn’t they? Ultimately, when using analytics for marketing you will naturally begin to optimise your conversion rates. Find out more on the best ways to implement this.

A Call for Management Information

Posted on Mar 10 2014 by

The majority of risk managers recognize the need for appropriate risk based management information to allow them to measure change and take timely and effective action. They understand that taking proactive action in response to change can have a beneficial impact on the business operating model and on the profitability of the business. Read our blog to help you move towards leading practices.

Credit Risk, Capital Planning & Requirements from the FCA

Posted on Feb 25 2014 by

Hear how risk and audit teams should respond to the anchor scenario released by the Financial Conduct Association (FCA) from economist Mark Watkins

The UK’s economy is growing – are you ready to take full advantage of it?

Posted on Dec 09 2013 by

According to the Office of Budgetary Responsibility (OBR) UK economic growth is strengthening and is reported to be growing faster than any other major economy – including France, Germany and America. Consumer confidence is rising rapidly, supported by a steadily strengthening housing market*.

What IS the optimal credit limit?

Posted on Nov 22 2013 by

What is the optimal credit limit?