Credit Risk Management

Optimise your profitability and reduce your credit risk

Assess the affordability of each customer...

Posted on Mar 31 2014 by
Increased regulatory focus and rising interest rates mean lenders need to revisit their measures of affordability ahead of changes. Accurately assessing both customers’ affordability and suitability are essential requirements...

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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...

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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...

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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...

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New rental data to be made available to credit providers...

Posted on Mar 17 2014 by
By Mark Goodfellow, Head of Data for Rental Exchange, Experian The UK’s rental market is booming. Our data shows that properties for let are growing at a faster rate than homes for sale. Indeed, the level of residential...

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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...

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The changing identity of UK fraud victims...

Posted on Mar 05 2014 by
We reveal the changing identity of fraud victims, after teaming up with CIFAS - the UK’s Fraud Prevention Service, as the fifth annual edition of its Fraudscape report is unveiled. Fraudscape analyses fraud trends and...

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Credit Risk, Capital Planning & Requirements from the F...

Posted on Feb 25 2014 by
My name is Mark Watkins and I work in the Economics unit of Experian responsible for looking after organisations across financial services. During recent client visits, I’ve been helping to answer questions concerning how...

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Realising the potential of new credit bureau data...

Posted on Feb 05 2014 by
Chris Curtis, Head of Bureau Analytics, gives and overview of the latest position. In the past, credit bureau data has traditionally hinged on information directly provided by mainstream lenders such as banks, credit card and...

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