Credit Risk Management

Ever Evolving Trends

Posted on Sep 19 2014 by

We live in a constantly changing world.
Technology is evolving quicker than ever, legislation is continually reviewed, renewed and added too and the economy changes daily. This world of continuous change affects us all and, whether consciously or subconsciously, it can significantly impact behaviours. How?

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Higher interest rates: How will you prepare?

Posted on Sep 18 2014 by

With the UK economy improving the need for supportive monetary policy from the Bank of England in terms of quantitative easing (QE) and a 0.5% base is diminishing rapidly. The short-term outlook for interest rates is now a matter of great debate, with many analysts expecting a rise in Bank Rate towards the end of this year or early next.

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Four reasons why you might be holding invalid bank account data?

Posted on Sep 12 2014 by

Sending and receiving payments are business critical processes and when payments fail the impact on a company’s bottom line can be very serious. One area which causes payment failure but which may be overlooked is in the collection and storage of bank account data. When you collect and manage customer and supplier bank account data […]

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What’s the score with fraud underwriting?

Posted on Sep 01 2014 by

It’s not uncommon for applicants flagged as potential frauds to be processed without being manually underwritten. Why? Simply because it is unrealistic to expect 100% of all referrals to be manually worked through. The sheer extent of referrals means that underwriters are suffering from capacity fatigue and a major backlog.

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The importance of customer centricity in financial services

Posted on Aug 27 2014 by

The importance of putting the customer at the heart of everything you do has long been discussed, but just when you think you’ve understood what they want, and how best to look after them, they evolve.

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No crystal ball? Try the next best thing

Posted on Aug 22 2014 by

To build stronger relationships with your customers and avoid losing them to your competitors, you need to accurately predict and meet their changing financial needs.

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Homeowners face affordability squeeze when rates rise

Posted on Jul 31 2014 by

The affordability of mortgage repayments is once again under the spotlight following recent comments by the Governor of the Bank of England that “gradual and limited” increases in interest rates are “coming nearer”.

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Join our #DataDriven TweetChat on Tuesday, July 8 at 5:30 pm BST

Posted on Jul 08 2014 by

Join our upcoming #DataDriven chat on Twitter featuring:

Susie Wolff – Development Driver, Williams Martini Racing
Rob Smedley – Head of Vehicle Performance, Williams Martini Racing Formula 1 Team
Greg Bonin – Principal Scientist for Experian’s DataLabs.

Topic: Using Data to Make Smarter Decisions

When: July 8, 2014 at 5:30 pm BST

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How can banking move forward in post-crisis Britain?

Posted on May 29 2014 by

Derek Garriock, our Head of Business Solutions and former leader of Sales Transformational Design and Delivery for RBS, scrutinises the changes, challenges and opportunities facing the Banking and Financial Services sector during the next three to five years.

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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 […]

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