About Paul Speirs

Website: http://www.experian.co.uk

Profile: Paul is the Head of Data and Business Development at Experian. He has directly managed the core bureau database strategy for the last 16 years, developing this into an industry leading asset. During his career at Experian Paul has managed the core team responsible for the processing of all data within Experian’s credit bureau, aiming to ensure that they are acknowledged as market leaders in terms of the depth and breadth of their data.

Posts by Paul Speirs

Affordability: An approach that pre-qualifies customers is better for everyone

Posted on Nov 24 2015 by

Aligning expectations with reality through pre-qualification can help you to avoid the kind of mismatch that sits behind a lot of human disappointment. How much better will customers feel about the loan process when they know they’re likely to get the keys to the new house they’ve just fallen in love with, or the zippy little motor they couldn’t take their eyes off?

Are lenders seeing all the distress signals?

Posted on Nov 23 2012 by

Already well-established within the UK credit industry, data sharing has proved a highly rewarding tool for responsible lenders for more than 30 years. However, with the global financial meltdown of the past few years, access to timely, quality data from some of the UK’s largest creditors, combined with enriched consumer information, means it’s critical for a 360 degree view of a customer’s overall financial situation meaning you can see any financial warning signs.