Credit Risk Management

Assess the affordability of each customer

Posted on Mar 31 2014 by

Discover how to remain compliant and minimise risk whilst providing a suitable and responsible service to your customers.

The role of a scorecard

Posted on Mar 24 2014 by

Credit scoring has been common practice for many years now among banks and other financial institutions. Other industries are just starting to realise its benefits. Today, in our Big Data society, there is such an astronomical amount of data available to us that it can be mind-boggling to make sense of it all. Read our blog to find out more

Borrowing Britain’s affordability challenge

Posted on Mar 17 2014 by

In January 2014 Experian provided the BBC with new analysis highlighting where people in Britain are struggling to keep on top of their debts.

Using a combination of public records, lifestyle surveys and aggregated information from our credit reference agency about how we all pay our bills, we created a view of where people are likely to be struggling to keep on top of their debts.

Will you ramp up innovation in 2014?

Posted on Mar 17 2014 by

Analyst firm IDC expects 2014 to be a defining year for credit providers. Having emerged from the economic crisis leaner and more efficient than ever, UK lenders are expected to focus on innovation this year. Our own conversations with providers across the industry support IDC’s assertion. Growth is back on the agenda.

New rental data to be made available to credit providers

Posted on Mar 17 2014 by

With little or no credit history, millions of social housing tenants have been excluded from mainstream financial services and affordable credit, or paid a premium for access. The Rental Exchange, provides a route for rental payments to be incorporated into credit reports which in turn provides greater access to mainstream finance, such as credit cards, loans and mobile phone contracts.

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.

The changing identity of UK fraud victims

Posted on Mar 05 2014 by

Affluent groups targeted less now than they were four years ago, while the reverse is now true for less wealthier groups.

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

Realising the potential of new credit bureau data

Posted on Feb 05 2014 by

We’re constantly evolving the way that credit bureau data is used both within bespoke solutions for individual clients and our market-leading bureau scores.

Conduct Risk and the Financial Conduct Authority

Posted on Jan 29 2014 by

The Financial Conduct Authority (FCA) is set to take an increasingly robust approach to regulating the sale of financial services.